Stay safe on the road — and make sure your insurance is ready too.
As days get shorter and the fall season settles in, deer become much more active — especially around dawn and dusk. In fact, fall is peak season for deer-vehicle collisions, which can cause serious damage to your car and injuries to passengers.
Here’s a simple deer season driving checklist to help you steer clear of accidents (and insurance claims):
Be Extra Alert at Dawn & Dusk
- Most deer activity happens early in the morning and late in the evening.
- Slow down and scan roadsides during these hours.
- If you see one deer, expect more — they often travel in groups.
Use High Beams Wisely
- On dark, rural roads, use your high beams when no oncoming traffic is present.
- High beams help spot glowing eyes on the roadside sooner.
- Switch back to low beams quickly if a deer is in the road — bright lights can freeze them in place.
Consider Deer Whistles or Reflectors
- Some drivers install deer whistles or roadside reflectors to deter animals.
- While not foolproof, they may reduce risks when paired with cautious driving.
Defensive Driving Tips
- Never swerve sharply to avoid a deer — you risk hitting another vehicle or losing control.
- Brake firmly, keep both hands on the wheel, and try to stay in your lane.
- Always wear your seatbelt — most serious injuries happen when drivers lose control after swerving.
Insurance Angle: Comprehensive Coverage Matters
- If you hit a deer, it’s comprehensive coverage (not liability or collision) that pays for the damage. Without it, repair costs come out of pocket. Fall is the perfect time to check your policy to be sure you’re covered.
Deer season doesn’t have to mean danger on the roads. By staying alert, using high beams wisely, and keeping your insurance up to date, you can protect both your passengers and your vehicle. As the leaves turn and daylight fades a little earlier, deer begin their busy season—and so should your fall driving precautions. A few simple actions—slowing down at dawn and dusk, using high beams responsibly, and resisting the urge to swerve—can make all the difference between a close call and a costly collision. And don’t forget: if you’re involved in a deer encounter, it’s your comprehensive coverage that steps up to help.
Stay sharp, stay safe, and steer through deer season with confidence—check your policy and your mirror before your next drive.
