Wildlife and Collisions

Drivers, stay alert! Watch for wildlife and check your Auto Insurance Coverage

Vehicles and wildlife can be a lethal combination. As temperatures drop and daylight hours shorten, drivers face a greater risk of collisions as deer and other wildlife migrate from the mountains and unexpectedly dart across roads and highways.

More deer-vehicle collisions occur between October and December than any other time of year. Washington drivers have a 1 in 307 chance of hitting a deer, according to a 2024/2025 analysis by State Farm. In Oregon, drivers have a 1 in 219 chance, and in Idaho, a 1 in 154 chance. 

Although reported collisions have declined slightly nationwide compared to last year, fall remains the most hazardous season for crashes involving wildlife. Collisions with large animals can cause severe vehicle damage, serious injuries, and even fatalities.

To help protect yourself, your passengers, and your vehicle, it’s important to understand the types of insurance coverage that can offer financial protection:

Insurance Coverage You Need

• Comprehensive Coverage: Pays for damage to your vehicle if you hit a deer or other animal (after your deductible). This coverage is optional but relatively inexpensive.
• Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, no matter who is at fault.
• Auto Liability Insurance: Required by law and covers injuries or damage you cause to others, but it won't cover your own vehicle in a wildlife collision.

Defensive Driving Tips to Avoid Wildlife Collisions

• Be extra alert between sunset and midnight and again near dawn.
• Use high beams when possible at night to spot animals sooner.
• Drive cautiously through wildlife crossing zones, farmland edges and forested areas.
• Remember that deer rarely travel alone. If you see one, more may be nearby.
• Brake firmly but stay in your lane if an animal crosses your path. Swerving often causes more serious accidents.
• If you hit an animal, pull over safely and contact law enforcement. Some states have specific reporting requirements.
• And always wear your seatbelt.

For more information about Property & Casualty Insurance, contact NW Insurance Council at (800) 664-4942.