If you drive Highway 441, 115, or any of the back roads around Clarkesville, you've probably had a close call with a deer this fall. Deer are on the move right now, and a little preparation can help you avoid a collision and know what to do if one happens.
Why Fall Is Prime Time for Deer Strikes
The Georgia Department of Natural Resources says fall is peak deer activity season. The rut (deer mating season) runs from about October through late December, depending on where you are in the state. During the rut, deer travel farther, move less predictably, and cross roads more often.
Two other things make November tricky here in Habersham, White, and Rabun counties:
- Shorter days. Deer are most active at dawn and dusk, and after the time change those hours land right in the middle of many people's commute.
- Wooded, winding roads. Mountain curves and tree lines leave you less time to react when a deer steps out.
Driving Tips to Lower Your Risk
You can't control the deer, but you can control how you drive:
- Slow down at dawn and dusk, especially near wooded areas, creeks, and fields.
- Expect more than one. If a deer crosses in front of you, slow down. Others often follow.
- Use your high beams when there's no oncoming traffic so you can spot eyes reflecting along the shoulder.
- Don't swerve. If a collision looks unavoidable, brake firmly and stay in your lane. Swerving can send you off the road or into another vehicle, which is often worse than hitting the deer.
- Stay buckled and put the phone down. Your full attention matters on these roads.
- Check the DNR rut map at GeorgiaWildlife.com to see when deer movement peaks in our area.
What to Do If You Hit a Deer
Even careful drivers hit deer. If it happens to you:
- Pull over safely and turn on your hazard lights.
- Check everyone for injuries. Call 911 if anyone is hurt or if the deer or your vehicle is blocking the road.
- Keep your distance from the animal. An injured deer can kick and cause serious harm.
- Take photos of your vehicle, the scene, and any damage. Note the location and time.
- Contact local law enforcement about a report. A report can be helpful when you file a claim.
- Don't assume the car is fine. A hit can damage headlights, radiators, and sensors in ways that aren't obvious. If anything looks or sounds off, have it checked before you drive far.
- Call us so we can help you start the claim process.
How Auto Insurance Usually Handles Animal Collisions
On many auto policies, hitting an animal falls under comprehensive (sometimes called "other than collision") coverage rather than collision coverage. That difference can affect which deductible applies, and whether you have this coverage at all depends on the policy you chose. Drivers who carry only liability coverage may not have protection for their own vehicle's damage.
Deer season is a good time to look at your auto policy and ask:
- Do I have comprehensive coverage on each vehicle?
- What is my deductible, and is it one I'm comfortable paying?
- Do I have rental reimbursement or roadside assistance if my car is in the shop?
Coverage depends on your specific policy, so the best way to know where you stand is to review it with an agent. As an independent agency serving North Georgia since 2008, we're happy to walk through it with you.
Questions? Call (706) 776-9010 or get a free quote.