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]

Key takeaways: Liability insurance is the foundation of any car insurance policy because states require it to cover damages you cause to others in an auto accident. Full coverage car insurance adds protection for your own car, paying for repairs or the replacement in the event of an accident, theft, vandalism, and more. How much you’ll pay for car insurance is related to your risk of being involved in an accident, and full coverage also looks at the value of your car and the amount of your deductible. ...

No-fault states limit the ability to sue another driver for injuries or pain and suffering after a car accident. Drivers in these states are often required to carry insurance that pays for their own injury-related costs — such as personal injury protection or medical payments coverage. These coverages extend to the insured driver’s passengers as well. Here’s a look at which states have “no-fault” insurance laws, how the insurance in those states works, and the pros and cons of no-fault auto insurance. L ...