If you’ve ever driven down a quiet road at dusk and had a deer leap into your path, you know just how quickly a peaceful drive can turn into a dangerous situation. Every year, thousands of drivers across North America find themselves in accidents involving wildlife, mostly deer, moose, elk, and other animals. These collisions don’t just damage vehicles—they can lead to injuries and, in some cases, fatalities.
That’s where comprehensive auto insurance steps in. It covers damage from unexpected events out of your control, like an animal suddenly crossing the road, not just crashes with other vehicles. Yet many drivers are still unclear about what this coverage includes and whether they need it. In this article, we’ll break down what comprehensive coverage offers, how it helps in wildlife-related accidents, and what you can do to lower your risk behind the wheel.
What is comprehensive coverage, and what does it include?
Comprehensive insurance offers protection beyond just collisions—it can cover everything from theft and vandalism to fire, falling tree branches, severe weather, and even animal-related incidents. While it’s often optional, it may be required if you're leasing or financing your vehicle.
Unlike liability or collision insurance, comprehensive coverage is your safety net for life’s unpredictable moments. If a tree falls onto your car during a storm or someone breaks into your vehicle, comprehensive insurance covers the repair costs, minus your deductible. And in the case of wildlife collisions, it doesn’t matter if the animal was standing, running, or already on the road—comprehensive still applies, providing a sense of security in the face of unexpected events.
Wildlife Collision Statistics: Why Risk Awareness Matters
Animal-related crashes happen more often than you may realize. Deer are the biggest culprits, especially during mating season in the fall, but moose, elk, and even wild turkeys can cause significant damage. These incidents are most common at dawn and dusk, when animals are more active and visibility is limited.
Drivers in rural areas, forested highways, and neighborhoods near wooded land are especially at risk. However, beyond the danger to life and limb, these accidents can be expensive and might even raise your insurance rates. By being aware of where and when these crashes tend to happen, you can take the first step toward staying safe, empowering yourself with the knowledge to make informed decisions on the road.
Preventing Animal Collisions: Tips for Staying Safe on the Road
Though insurance can cover the aftermath, prevention is key. Staying alert and driving cautiously in areas known for wildlife activity can make a big difference. Pay extra attention at dawn and dusk when animals are most active. Slowing down gives you more time to react if an animal appears.
Use your high beams on dark roads if it's safe. They can reflect animals' eyes from far away. Pay attention to wildlife crossing signs. If you see one animal, slow down; more are usually nearby. Some people use deer whistles or motion lights, but those don't always work. Whatever you do, try not to swerve. It's often safer to brake and stay in your lane, even if you hit the animal.
Protecting What Matters With SelectQuote
Wildlife collisions are unpredictable, but how you prepare for them doesn’t have to be. That’s where SelectQuote comes in. We’ve spent decades helping drivers find the right insurance policies to fit their budgets. Whether you’re worried about hitting a deer on a rural backroad or dealing with storm damage in the city, we’re here to support you and help you get covered.
Our licensed agents compare unbiased quotes from the nation’s most trusted insurance providers to find the best coverage for your needs, without overcomplicating things. We’ll walk you through what your policy includes so you know your coverage in the event of a wildlife collision. SelectQuote takes the guesswork out of insurance shopping by offering expert guidance, personalized quotes, and clear explanations.
