January 16, 2025
Agency

Does Your Auto Insurance Cover Deer Collisions in Pennsylvania?

Driving in Pennsylvania, especially in rural and wooded areas, comes with the risk of encountering deer on the road. Deer collisions are a common occurrence, particularly during the fall mating season and early spring. Understanding whether your auto insurance covers these incidents is essential for ensuring you are adequately protected.

Why Comprehensive Coverage Is Essential

Those who carry only liability insurance, the minimum required by law in Pennsylvania, should know that deer collisions are not covered. Liability insurance only covers damage you cause to other people and their property, not damage to your own vehicle. Therefore, if you want protection against deer collisions, adding comprehensive coverage to your policy is wise.

Comprehensive coverage is an optional part of an auto insurance policy that may help cover damage to your vehicle caused by events other than a collision with another vehicle. This includes incidents such as theft, vandalism, natural disasters and, importantly, collisions with animals like deer.

With comprehensive coverage, if you hit a deer and your vehicle is damaged, your insurance company may help pay for the repairs. Review your policy to understand the specifics of your coverage, including the deductible amount.

If you finance or lease a vehicle, the lienholder likely requires comprehensive and collision coverage, in addition to the state’s minimum liability coverage.

Contact Us

Given the high likelihood of encountering deer on Pennsylvania roads, having comprehensive coverage can provide peace of mind and financial protection. Deer collisions can cause significant damage to your vehicle, and without the right insurance, you could be left with hefty repair bills.

Contact Jack L. Bonus Insurance Agency for an auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Categories: Auto Insurance, Blog

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