Posted in: Safety,
by Gregg Laskoski on Oct 8, 2013 06:00 AM
If you live in W. Virginia this is not the news you want to here... According to State Farm, there is a 1-in-41 chance that a West Virginian will be involved in a deer-vehicle collision in the next year, an 8.3 percent improvement from that likelihood ratio from last year. It is the 7th year in a row that the Mountain State is the likeliest place that drivers collide with deer.
Where else do motorists face high odds of slamming into Bambi? Montana, Iowa, S. Dakota and Pennsylvania round out the top five "high risk" states.
State Farm’s report is generated from claims data that the car insurer compares to the number of licensed drivers in each state.
According to State Farm, a driver in the U.S. has a 1-in-174 chance of hitting a deer in the next 12 months, a 4.3 percent drop from the 1-in-167 figure published in last year’s report. The car insurer said that the trend is “more pronounced” in states in the middle of the U.S.
There were 1.22 million crashes between vehicles and deer, this year’s report said, a 3.5 percent drop from last year’s report.
The actual number of deer-car crashes has jump 2 percent in the last five years, but the odds of a driver hitting a deer has dropped 2.5 percent, when taking into account the increasing number of motorists nationwide.
Fall is when such crashes are most likely. November is the most likely month for a deer-car crash because it is the peak for deer mating season, according to State Farm, which reported that it seems 18 percent of those crashes landing in that month.
State Farm’s analysis also showed that the average claim for a deer-car crash rose 3.3 percent from last year and is currently $3,414.
According to the Insurance Information Institute (III), the jump in claims cost “may partly be due to rising repair costs.”
Striking a deer with a vehicle is usually costly for motorists.
A car insurance coverage claim involving deer-related damage is linked to two types of protection, depending on the circumstances of the crash. Deductibles apply.
The comprehensive, or other-than-collision, portion of your auto insurance policy covers most instances of a deer-vehicle crash. This type of coverage can also sometimes cover towing costs, according to the III, and also applies to fire, vandalism and weather-related damaged
However, collision coverage can apply to situations where a driver hits an object because they turned the vehicle to dodge a deer.
“If you swerve to miss a deer and hit an object, such as a tree, lamp post, fence or guardrail, the accident would fall under your collision coverage,” Loretta Worters, vice president for the III, said in a statement.
Bottom line: keep your insurance premiums up to date!