* Increased Risk: Hitting a deer indicates you're in an area with a higher risk of wildlife collisions. Insurance companies consider this a risk factor and adjust premiums accordingly.
* Claim History: Filing a claim, even for a deer collision, is recorded in your insurance history. Multiple claims can further increase your premium.
* Increased Repair Costs: Damage from a deer collision can be significant, leading to higher repair costs. This translates to higher premiums for the insurance company.
Here's what you can do:
* Shop Around: After an accident, compare quotes from multiple insurers to see who offers the best rates.
* Consider a Higher Deductible: A higher deductible (the amount you pay out of pocket before insurance covers the rest) can often lower your premium.
* Take a Defensive Driving Course: Demonstrating safe driving practices can sometimes lead to discounts.
* Be Proactive: In areas known for deer activity, drive with extra caution, especially at dusk and dawn when deer are most active.
Remember, insurance companies are in the business of assessing risk. By understanding how your actions impact your premium, you can make informed decisions and potentially minimize the financial impact of an accident.