Core Insights - Over 1 million car accidents involving deer occur annually, with significant financial implications and risks to wildlife and human safety [1][4] Group 1: Risks of Hitting a Deer - State Farm estimates over 1.7 million U.S. car insurance claims for animal collisions, primarily involving deer, from July 1, 2024, to June 30, 2025 [2] - The average U.S. driver has a 1 in 139 chance of hitting an animal, with the highest risks in West Virginia (1 in 40), Montana (1 in 53), and Wisconsin (1 in 58) [2] Group 2: Timing and Conditions - The likelihood of deer collisions peaks in November, October, and December, with the most dangerous times being from sunset to midnight and near dawn [3] Group 3: Costs of Collisions - From 2020 to 2023, 789 fatalities occurred due to vehicle-animal crashes, highlighting the human toll of these incidents [4] - The average cost of an animal-vehicle claim in the AAA East Central region was reported at $5,620 in 2024 [5] Group 4: Insurance Coverage - Comprehensive car insurance covers damage from animal collisions, while collision insurance applies to accidents involving other vehicles or objects [7][8] - Full coverage car insurance, which includes comprehensive and collision insurance, is essential for protection against deer collisions [18] Group 5: Preventive Measures - Drivers are advised to stay alert, especially during peak deer activity times, and to use high beams in low-traffic areas to enhance visibility [21]

Core Insights - Comprehensive auto insurance coverage is essential for protection against hail damage, while basic liability insurance does not cover such incidents [2][4][6] - The average insurance payout for hail-damaged vehicles was approximately $5,000 in 2021, with payouts depending on repair costs and deductibles [7] - Filing a claim for hail damage typically does not increase insurance premiums, although rates may rise after major weather events due to insurer risk assessments [7] Insurance Coverage Types - Comprehensive coverage protects against hail damage and other non-collision incidents, while collision insurance covers damages from crashes [3][6] - Liability insurance is mandatory in most states but does not cover hail damage [4][6] Claims Process - To file a claim for hail damage, policyholders should check their coverage and deductibles, document the damage, and contact their insurer [5][11] - The claims process involves getting an estimate for repairs, which the insurer will use to determine the payout [11] Repair and Total Loss - Hail damage can lead to total loss if repair costs exceed the vehicle's market value; insurers will pay the actual cash value minus the deductible [9] - If a vehicle is financed or leased, lenders may require insurance proceeds to be used for repairs [10] Decision-Making on Claims - Evaluating whether to file a claim depends on the extent of the damage relative to the deductible; minor damage may not warrant a claim [13]