Rancho Cucamonga, California (WiredPRNews.com) — Many motorists may not be too concerned about the prospect of hitting an animal while on the road, but auto insurance claims data indicate that, on a national average, one in 182 drivers is likely to have a collision with a deer in the next year, according to a new report.
Luckily for some Georgia car insurance policyholders, their likelihood has slightly decreased from last year (although the state is still considered to be a higher-risk state). According to the State Farm report, one in 150 Georgians is likely to have a deer-vehicle collision in the next 12 months.
Drivers can take a number of precautions in order to avoid being physically and financially hurt by such accidents. Naturally, motorists should try to avoid getting into a collision with deer in the first place. The best way to do this is to be alert when driving.
State Farm recommends drivers be aware of deer-crossing signs and that they are most aware between six and nine at night, when deer tend to be most active.
With respect to protecting finances, Georgians can insure against damages resulting from a collision with an animal by adding comprehensive coverage to a policy. Drivers in the state with only basic policies that cover for bodily injury liability and property damage liability will most likely find that damages resulting from this type of accident will not be covered.
These protections do not cover the policyholder’s car but, rather, any other cars that are damaged as a result of an accident caused by the policyholder. For deer-collision-related damages, a driver will need physical damage coverage— most likely, this will be covered under comprehensive insurance.
This type of coverage may prove valuable. According to the Highway Loss Data Institute, the average claim cost filed in November 2008 for a vehicle-animal collision was $2,913.
To find more about Georgia insurance matters, consumers can go to http://www.onlineautoinsurance.com/georgia/ where visitors will also be able to compare prices for coverage, including comprehensive protection.