Hit a Deer on I-93 During Leaf-Peeping Season: Who Pays in New Hampshire?

New Hampshire’s scenic I-93 is a popular route for tourists and locals alike, especially during the fall months when the landscape transforms into a vibrant display of autumn colors. However, while the beauty of the area is undeniable, there’s a less pleasant reality that drivers face during this time: deer-related accidents. With the increased deer activity in the region during the leaf-peeping season, these accidents are unfortunately common. So what happens when a driver hits a deer on I-93? Who is responsible for the damages, and what does insurance cover? Understanding the different types of insurance coverage and what to do after a deer collision can save you both time and money. Let’s dive into this issue and break down the steps to take if you find yourself in this unfortunate situation.

Understanding Deer Accidents on I-93

I-93, which runs through New Hampshire from the southern part of the state up to the Canadian border, is known for its picturesque beauty, especially during autumn. This scenic route, popular among leaf-peepers, is also a path frequently traveled by deer. The fall months, particularly October and November, bring increased deer activity, and this heightens the chances of drivers encountering wildlife on the road. Deer are often startled by cars and may dart across highways unexpectedly, making it difficult for drivers to react in time. While many drivers slow down during this season to account for the fall foliage and increased traffic, the risk of striking a deer remains significant. Colliding with a deer can cause significant damage to your vehicle and may even lead to injuries if the impact is severe enough. It’s essential to know who will bear the financial burden of repairs or medical expenses after such an incident.

Insurance Coverage for Deer Collisions

In New Hampshire, drivers are required to carry liability insurance, but that alone doesn’t necessarily help in the case of a deer collision. To understand who is responsible for paying the costs after hitting a deer, let’s look at how different types of insurance work in New Hampshire.

Comprehensive Insurance Coverage

The most crucial factor in determining who will pay for damages caused by hitting a deer is the type of insurance coverage you have. If you have comprehensive insurance, you are likely covered for a deer collision. Comprehensive coverage, also known as “other than collision” insurance, covers damages to your vehicle caused by events outside of your control. This includes natural disasters, vandalism, theft, and, of course, animal collisions. If you have this type of coverage and hit a deer on I-93, your insurance should cover the damage to your vehicle minus your deductible. This is one of the most important reasons why comprehensive coverage is worth having, especially in states like New Hampshire where deer accidents are relatively common. If you don’t have comprehensive insurance, you could face steep repair costs on your own.

Collision Coverage

Another type of coverage that can apply in these situations is collision insurance. Collision insurance covers damage to your vehicle after an accident, regardless of fault. While it’s typically used for accidents involving other vehicles, it may also apply to accidents involving animals, such as hitting a deer. The key difference between collision and comprehensive coverage is that collision insurance doesn’t typically cover accidents caused by things like severe weather or animals, unless specifically included in your policy. If you don’t have comprehensive insurance but have collision coverage, you may still be able to file a claim, but this depends on the specifics of your policy.

Liability Insurance

Liability insurance, which is the bare minimum required by New Hampshire law, is designed to cover damages to other people or property if you are at fault in an accident. However, this type of insurance won’t cover any damages to your own vehicle, including if you hit a deer. If you only have liability insurance and hit a deer, you would be responsible for the full cost of vehicle repairs and any medical expenses out of pocket.

What Happens if You’re Injured in a Deer Collision?

While hitting a deer may damage your vehicle, the risk of injury is also something that can’t be ignored. If you or your passengers are injured in a deer collision, the situation becomes more complicated. New Hampshire’s no-fault insurance law mandates that all drivers carry Personal Injury Protection (PIP) coverage. This type of coverage will pay for your medical expenses regardless of who was at fault in the accident. PIP will cover the costs of medical treatment, lost wages, and other related expenses up to your policy’s limit. However, if your injuries exceed the PIP coverage or if you want to pursue additional compensation, you may need to file a personal injury lawsuit against the at-fault party if another vehicle was involved, or even against your own insurance policy if you’re covered by additional personal injury protection options.

What to Do After Hitting a Deer on I-93

If you find yourself in a deer-related accident on I-93, it’s essential to follow the correct steps to ensure your safety and protect your rights. Here’s a detailed guide on what to do:

1. Ensure Safety First

After hitting a deer, your first priority should be ensuring the safety of yourself and your passengers. If possible, move your vehicle to the side of the road to avoid blocking traffic or further risk of injury. Turn on your hazard lights to alert other drivers of the situation.

2. Call the Authorities

In New Hampshire, hitting a deer doesn’t always require police involvement unless there are injuries or significant damage. However, it’s still a good idea to call the authorities. They can help document the accident, especially if there is significant damage to your vehicle, and provide an official report that could be helpful for your insurance claim. The police will also help direct traffic if the collision causes a road blockage.

3. Document the Scene

Take photographs of the scene, including your vehicle, the deer (if it’s safe to do so), and any other relevant details, such as visible damages or road conditions. This documentation will be useful when filing your insurance claim and could help in determining fault if there’s a dispute.

4. Report the Accident to Your Insurance Company

Contact your insurance provider as soon as possible to report the collision. If you have comprehensive coverage, your insurance company will guide you through the claims process. Provide them with all the information you’ve gathered, including the police report and photographs.

5. Dispose of the Deer Safely

If the deer is still on the road, notify the authorities or the New Hampshire Department of Fish and Game to have the animal removed. Do not attempt to move the deer yourself, as it could be dangerous.

What Are the Costs of a Deer Collision?

The costs associated with hitting a deer can vary greatly depending on the extent of the damage to your vehicle. On average, repairing the damage caused by a deer collision can range from a few hundred to several thousand dollars. Additionally, medical costs can add up quickly if there are injuries involved. According to the Insurance Information Institute, the average cost of a claim for an animal collision is around $3,000, though this figure can be higher if more extensive repairs are needed.

Are There Ways to Prevent Hitting a Deer?

While it’s not always possible to avoid hitting a deer, there are steps you can take to reduce the risk. New Hampshire residents and visitors should be aware of peak deer activity times, which are typically at dawn and dusk. Be especially cautious during the leaf-peeping season when the roads are filled with tourists. Slowing down, especially in areas marked as deer-prone zones, and keeping your headlights on high beam when there’s no oncoming traffic can help you see a deer from a distance and react accordingly. Additionally, installing deer whistles or other deterrents on your vehicle may also reduce the likelihood of a collision, though their effectiveness is debated.

Final Thoughts on Who Pays After a Deer Collision in New Hampshire

Hitting a deer on I-93 during the fall months is not only frustrating but can also be costly. If you have comprehensive insurance coverage, the costs of repairs will likely be covered by your insurance company, minus your deductible. However, if you don’t have comprehensive coverage, you could be left paying for the damages out of pocket. Regardless of your coverage, understanding the types of insurance you have and taking the necessary steps after a deer collision can help you navigate the situation more efficiently. Always remember to drive cautiously, especially during peak deer activity seasons, to avoid accidents and keep yourself and your passengers safe. If you’ve been involved in a deer-related crash and have questions about your legal or insurance options, contact Tenn And Tenn, P.A. today

To learn more about this subject click here: Common Causes of Car Accidents in New Hampshire and How to Avoid Them