State: Review insurance coverage during deer season

By Frank Lewis

October 19, 2013

Frank Lewis

PDT Staff Writer

This is the time of year in which you suddenly realize it’s fall and you need to slow down because deer are seemingly everywhere. Ohio Lieutenant Governor and Department of Insurance Director Mary Taylor is asking Ohio drivers and motorcyclists to be alert for deer while navigating the state’s roadways.

Fall is the peak season for deer related crashes in the state. At the same time, Taylor is urging people to conduct an insurance review with their agent to ensure they have the appropriate coverage should they strike a deer.

“This is the time of year when we see an increase in the number of deer related accidents,” Taylor said. “Drivers should be extra cautious in the morning and early evening, and check to make sure they have the appropriate level of insurance coverage.”

Taylor said some Ohioans may not be aware that the collision portion of an insurance policy’s physical damage coverage does not include deer-vehicle collisions. It’s actually the other than collision or comprehensive coverage portion that pays to repair that type of damage. She said for consumers who only have a liability policy, any damage to the vehicle would not be covered by insurance.

Taylor said explanations of the different components of auto insurance are available at www.insurance.ohio,gov.

Taylor said the impact of a deer hitting a vehicle can cost thousands of dollars to repair, depending on the size of the animal, how fast the vehicle is moving andd the type of vehicle.

“To make sure you are financially protected, work with your agent to determine the adequate levels of coverage,” Taylor said. “A higher deductible generally means a lower premium, but you have to pay more out of pocket if an accident does occur.”

For more safety tips on avoiding deer, Taylor suggested going to the Ohio Department of Public Safety’s website www.publicsafety.ohio.gov. She said Ohioans with insurance questions can call the department’s consumer hotline at 800-686-1526.

Frank Lewis may be reached at 740-353-3101, ext. 252, or at flewis@civitasmedia.com. For breaking news, follow Frank on Twitter @FrankLewisPDT.