Use Caution to Avoid Deer Collisions
Officials in Pennsylvania are reminding drivers of the higher risk for deer-related crashes this time of year, and that insurance companies cannot add a surcharge to auto insurance premiums for such crashes. “Under Pennsylvania law, a crash involving a deer, or other wildlife, is considered a not-at-fault accident, and insurers cannot add a surcharge to your premium for a deer-related crash,” said Insurance Commissioner Jessica Altman. “However, this exclusion does not apply if your car does not come in contact with the deer.”
Altman said vehicle damage from these circumstances is handled under a driver’s comprehensive coverage. “Deer often travel in groups, so if you see one deer, there are often more nearby. The fall is breeding season for deer, and they may be less aware of their surroundings. It’s important to remember to stay alert, buckle up, and don’t swerve your car. If an animal collision is inevitable, stay on the road,” Altman said.