COLUMBUS – With the arrival of the peak season for deer-related crashes, Ohio Lieutenant Governor and Department of Insurance Director Mary Taylor is asking Ohio drivers and motorcyclists to be extra-cautious navigating the state’s roadways this Autumn. Taylor also suggests people use the Department’s new auto insurance consumer guide and conduct an insurance coverage review with their agent to ensure they have the appropriate coverage in the event they strike a deer.
“Because the likelihood of striking a deer on an Ohio roadway is a very real possibility, it’s essential to ensure you have adequate insurance protection,” Taylor said. “Ohioans should be aware that the highest risk periods this time of year are from sunset to midnight followed by shortly before and after sunrise.”
Taylor said that 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 this type of damage. For consumers who only have a liability policy, any damage to the vehicle would not be covered by insurance.
These different components of auto insurance are explained in the Department new auto insurance consumer guide, available at www.insurance.ohio.gov. The guide serves as a useful tool, addressing such topics as your auto insurance rights, explaining the state’s financial responsibility law, how to protect against uninsured or underinsured motorists, basics of cancellation and non-renewal, how to get discounts, information about repairing your car, answers to common questions, and much more.
As for a deer hitting your vehicle, this type of impact can cost thousands of dollars to repair, depending on the size of the animal, how fast the vehicle is moving and the type of vehicle. To make sure you are financially protected, work with your agent to determine the adequate levels of coverage. The higher the deductible, the greater the premium savings, but you have to pay more out of pocket if an accident does occur.
To help stay safe on the road, Taylors asks Ohioans to wear a seat belt as required by state law and drive at a safe, sensible speed, particularly in areas with deer-crossing signs. For more safety tips on avoiding deer, visit the Ohio Department of Public Safety’s website at www.publicsafety.ohio.gov.
Ohioans with insurance questions can call the Department’s consumer hotline at 1-800-686-1526. Insurance information, including the Department’s new auto insurance consumer guide, is also available at www.insurance.ohio.gov. You can follow the Ohio Department of Insurance on twitter @OHInsurance and on Facebook at www.facebook.com/OhioDepartmentofInsurance.