Harrisburg, PA – Pennsylvania Insurance coverage Commissioner Jessica Altman and State Police Commissioner Colonel Robert Evanchick right now reminded drivers of the upper threat for deer-related crashes within the fall and that insurance coverage firms can’t add a surcharge to auto insurance coverage premiums for such crashes.
"Beneath Pennsylvania regulation, a crash involving a deer or different wildlife is taken into account a not-at-fault accident, and insurers can’t add a surcharge to your premium for a deer-related crash," Commissioner Altman mentioned. "Nevertheless, this exclusion doesn’t apply in case your automotive doesn’t are available in contact with the deer."
"Car injury from deer-related crashes is dealt with below a driver’s complete protection," Altman added.
State Farm information reveals Pennsylvanians have a 1-in-54 probability of being concerned in an animal-related crash, the fifth highest within the nation. The Pennsylvania Division of Transportation (PennDOT) reported greater than 5,581 deer-related crashes in 2020, up from 4,300 in 2019. The 2020 crashes resulted in 1,028 accidents and 4 fatalities.
Between July 1, 2020, and June 30, 2021, an estimated 1.9 million animal collision insurance coverage claims have been processed throughout the nation.
In line with the Pennsylvania Recreation Fee, daybreak and nightfall are peak occasions for deer exercise. As well as, November is when drivers are almost definitely to have a deer-related crash, in response to insurance coverage trade experiences. October and December are the second and third almost definitely months for animal-related crashes.
Drivers ought to concentrate on the next ideas from the American Car Affiliation (AAA) to assist stop a crash or to cut back the injury from a collision:
"The autumn is breeding season for deer, they usually could also be much less conscious of their environment," Altman mentioned. "It is necessary to recollect to remain alert, buckle up, and take a look at to not swerve your automotive. If an animal collision is inevitable, keep on the street."
"Driving the posted velocity restrict, eliminating distractions within the automobile, and selecting to by no means drive impaired are decisions that may save a life in the course of the peak months of the deer mating season," mentioned Colonel Evanchick. "When you hit a deer, pull over to a protected space and assess the scenario to determine what to do subsequent. If there are any accidents requiring medical consideration, your automobile wants towed, or the roadway is blocked, contact 911 instantly."
In Pennsylvania, two varieties of crashes should be reported to police: crashes that lead to a automobile being broken to the purpose it can’t be pushed from the scene and collisions that lead to damage or loss of life. Minor collisions or fender benders that don’t lead to damage could also be reported to police, however it’s not legally required.
Drivers concerned in any crash with one other automobile are required to alternate license and insurance coverage data with concerned events and render support when mandatory.
To report a lifeless deer for elimination from state-maintained roads, name the Pennsylvania Division of Transportation at 1-800-FIX-ROAD.
Shoppers with questions on auto insurance coverage could contact the Insurance coverage Division Shopper Companies Bureau by calling 1-877-881-6388 or at www.insurance coverage.pa.gov.
For extra data on the Pennsylvania State Police, go to psp.pa.gov.
For data on deer-related crashes by county, click on right here.