Saving You Money For Life

When you think about car accidents and what kinds of damage commonly occur during a normal day’s drive, rarely do you think deer. But interestingly-and sadly-enough, according to the folks at Erie Insurance Group there’s a high season not for deer hunting per se but for car accidents involving deer on the road.

The total cost of these incidents each year? More than $130 million, an average of about $2000 per accident.

Is it covered by your car insurance policy? Most likely. Deer crashes are deemed by most insurance providers as acts of God. It’s covered by comprehensive auto rather than collision since there is no fault involved. The problem is if you hit one deer, the costs of damages are going to be about $2000 and with a high deductible, this can nullify any savings you might enjoy on your premiums. So, if you live in a rural area where accidents with roaming animals is a high likelihood, you might consider shifting your high deductible into the lower range on your comprehensive car insurance in order to save money in the event that you become a statistic and hit a deer this year.

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