Do you have the right insurance if you hit a deer? - Quincy News, Weather, Sports, and Radio

Do you have the right insurance if you hit a deer?


Hitting a deer can be a scary experience, but beyond the deer putting a dent in your car, it can also put a dent in your wallet if you don't have the right insurance to cover it.

Many drivers think those expenses will be taken care of with their insurance, but you may want to double check your policy plan.

Even though "collision" sounds like it should cover collision with a deer or any other animal, State Farm reps say most of the time it doesn't.

"Collision insurance is going to cover if it was your fault. If you hit somebody else, if you hit another object..such as a light pole, anything like that, that's going to be considered a collision accident if it's your fault," said Melissa Bradshaw, a State Farm agent in Quincy.

Bradshaw says the policy that covers hitting a deer is what's called Comprehensive Coverage.

State Farm recently came out with a study that shows the odds of hitting a deer by each state.

Iowa is at a high risk with a 1 in 75 chance of hitting a deer within the next year, while Illinois and Missouri are both medium risk states.

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