What To Do After Hitting a Deer

Immediately after hitting a deer (or other animal):

  1. Apply your brakes and come to a controlled stop. Don’t allow your car to swerve into another lane or off the road.
  2. Move your car to safety and turn on your hazard lights.
  3. Leave the deer alone. Don’t try to move it out of the road. If it’s still alive, it could injure you.
  4. Call 9-1-1. They’ll contact the right people to take care of the deer.
  5. Assess your vehicle for damage before driving away. If it isn’t safe to drive, contact your roadside assistance provider for an emergency tow.
  6. Report a claim with your insurance company if your car has been damaged.

Should you call your insurance provider if a deer hits you?

If your vehicle is damaged and you have comprehensive (other than collision) coverage, your insurance may cover the repairs.

Is hitting a deer covered by comprehensive or collision?

Hitting an animal with your car would be covered under your comprehensive (other than collision) coverage. Typically, comprehensive insurance can cover damage to your car resulting from events such as fire, theft, hail, or a fallen tree branch. This also includes a collision with an animal.

The information and descriptions on this site are general in nature. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy, as the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.