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Look out for that deer!

State Farm Insurance recently released information ranking Mississippi 10th in the nation for auto accidents involving a deer. They say your chances of hitting a deer are one in 88, a 1.1 percent increase from the 2014-2015 year. Stay safe this season and know what to do if you have an incident with a deer.

How to avoid hitting a deer

Deer seem to have a way of coming out of nowhere and surprising us. It is not impossible to avoid a collision with a deer. Here are some safety tips on how to decrease you chances of having a run in with a deer:

  • Stay vigil - scan the road ahead of you and use high-beams when appropriate
  • Use extra caution at dawn, dusk and at night
  • Remain alert and sober
  • Use caution when driving through heavily populated wildlife areas
  • Always wear your seatbelt

What to do if you hit a deer

If you see a deer on the road, most law officials advise you to not swerve or slam on the brakes. Doing so can result in an accident with another car or tree. This can cause more injury and damage. A deer typically weighs 200 pounds, a car typically weighs 3,000 pounds. Needless to say, the car usually wins in this scenario.

If you hit a deer, as with any accident, pull over to a safe spot and make sure all passengers are not injured. Don't approach the deer, call the police and they will file an incident report to have the deer removed. Take notes on the details and what happened. Take pictures to send to your insurance company. If you feel necessary, call an attorney. They can help walk you through the process and make sure that you have properly documented everything for your claim.

Will insurance cover it?

It really depends on what kind of insurance you have. Comprehensive insurance, covers damage other than an auto accident, will cover the cost of the damages. Collision insurance should also cover the damages, as you are colliding with another object. However, if you do not full coverage the cost of damages may come out of your own pocket.

As for your premium, this should not increase. It all depends on your insurance provider and what plan you have. Hitting a deer is usually not considered negligent driving, nor was the accident caused by you. Sometimes, certain situations are unavoidable.

If you are having issues with your insurance company and feel you are being treated unfairly, speak with an experienced accident attorney. An attorney can look over your insurance plan and help you deal with the agency to ensure you are receiving fair coverage and treatment.

In any case, if you are involved in an accident, it is always a good idea to speak with a lawyer. They can give you advice and guidance on what steps you should take after an incident. After 9-1-1, you can call an attorney for help at the scene; they can walk you through the steps to help make sure you receive fair compensation and insurance treatment.

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