One of the many wonderful things about living in Gig Harbor is all the natural beauty that surrounds us. We are surrounded by amazing views of the waterfront, mountain ranges and green forests.
With that beauty also comes the presence of different types of wildlife. Deer are very prevalent in my neighborhood, and probably in your neighborhood too. They seem to love eating my apples, pears and roses. With the increased number of deer surrounding us we need to understand what coverage we need when one of them darts in front of us while we are driving.
First let's consider some of the statistics involving deer. An estimated 1.23 million deer-vehicle collisions occurred in the U.S. between July 1, 2011 and June 30, 2012, costing more than $4 billion in vehicle damage. So what type of coverage do you need to be covered in the event you were involved in a collision with a deer?
Some people think that you would need to have collision coverage to be covered. However, when wildlife is involved in an accident you need to have comprehensive coverage. If you don't know if you have comprehensive coverage call your professional insurance agent and find out.
Now how about some tips to try and avoid an accident with a deer:
First, stay alert. I have been focusing on texting and driving lately, and for a good reason. When it comes to deer it is especially important. You won't have a lot of time to stop when a deer darts in front of you. If you are distracted you won't stand a chance of stopping in time.
Second, use your high beams when there isn't any oncoming traffic. This will help you see the deer better.
Lastly, be aware that at dawn and sunset they are often on the move. Unfortunately, this is also when they are the hardest to see.
Do you have any tips to help avoid hitting a deer? Please share any tips you have in the comment section.
The bitterness of poor coverage lingers long after the sweet price is forgotten.
Joe Urvina is an insurance agent located in Gig Harbor, WA.