Hit a Deer in Alabama? Insurance Guide
Hit a deer in Alabama? Learn what insurance covers deer collisions, how to file a claim, and what to do at the scene of the accident.
Hit a Deer in Alabama? Insurance Guide
This article, written by our founder Todd Conn, CLCS, explores an important topic for Alabama residents. At TCDS Insurance Agency, we believe in educating our clients to help them make the best decisions for their insurance needs.
Hit a deer in Alabama? Learn what insurance covers deer collisions, how to file a claim, and what to do at the scene of the accident.
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Does insurance cover hitting a deer in Alabama?
Yes, but only if you have comprehensive coverage on your auto insurance policy. Liability insurance does not cover deer collisions. Comprehensive coverage pays for damage to your vehicle from animal collisions, and it typically costs $10-20 per month in Alabama.
Will my insurance rates go up if I hit a deer?
Usually not. Deer collisions are considered not-at-fault claims because they're unpredictable acts of nature. Most insurance companies in Alabama do not raise rates for comprehensive claims like deer strikes. However, if you file multiple comprehensive claims within 3 years, some carriers may increase your rates.
What should I do immediately after hitting a deer in Alabama?
First, move your vehicle to a safe location if possible and turn on hazard lights. Call 911 if anyone is injured or if the deer is blocking traffic. Do not approach the deer as injured deer can be dangerous. Document the scene with photos of your vehicle damage and the deer if visible. Call your insurance company within 24 hours to file a claim.
Do I need to file a police report for a deer collision in Alabama?
Alabama law does not require a police report for deer collisions unless there are injuries, the deer is blocking traffic, or your vehicle is undriveable. However, many insurance companies prefer a police report for comprehensive claims, so it's recommended to call law enforcement to document the incident.
How much does it cost to repair deer damage to a car?
The average deer collision repair in Alabama costs $3,000-$5,000. Minor damage (broken headlight, dented hood) may cost $1,500-$2,500. Severe damage (deployed airbags, frame damage, totaled vehicle) can exceed $10,000. Your comprehensive deductible (typically $500-$1,000) applies before insurance pays.
When are deer collisions most common in Alabama?
Deer collisions peak from October through December during breeding season (the rut), with November being the highest-risk month. Collisions are most common at dawn (5-7 AM) and dusk (5-8 PM) when deer are most active. Highway 280, I-65, and rural roads in North Alabama have the highest deer collision rates.