Is hitting a deer an at-fault accident?

I moved to a rural area where deer are everywhere. They often run across the road, which is scary even if I see them ahead of time. For the sake of insurance, is accidentally hitting a deer considered an at-fault accident?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Hitting a deer
is not an at-fault accident
In the eyes of your insurance company, it is an unavoidable accident, so your car insurance is unlikely to increase. 
However, there are still steps you should take to ensure you keep your current rate: 
  • Get an estimate on the damage: An estimate will help you decide if you need to file a claim or pay it out of pocket. If the damage is less than your deductible, you’re better off just paying for repairs without filing an insurance claim.
  • Review your policy: If you file a claim, review your policy to ensure your insurance company didn’t increase your rates.
Keep in mind: If you hit a deer, the only way to ensure you’re covered is if you have
comprehensive coverage
MORE: What to do if you hit a deer with your car
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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