With Hunting Season Underway, DIFS Encourages Drivers to Understand Coverage for Vehicle-Deer Collisions

Media Contact: DIFS-press@michigan.gov
Consumer Hotline: 833-ASK-DIFS, AutoInsurance@michigan.gov

FOR IMMEDIATE RELEASE: October 15, 2026

(LANSING, MICH) The Michigan Department of Insurance and Financial Services (DIFS) is encouraging consumers to check with their auto insurance agent or company to make sure they understand their coverage if their vehicle is damaged in a collision with a deer. These types of crashes can occur during any season but happen more often during the fall when deer hunting season, cooler temperatures, and shorter daylight hours can cause deer to move frequently and sometimes unpredictably.

“The cost to repair damage from a vehicle-deer collision can be thousands of dollars so it is important to understand the coverage you have available before a crash occurs,” said DIFS Director Anita Fox. “Coverage for collision with things other than another vehicle, such as a deer, is an optional coverage that won’t be part of your standard policy unless you select it. Understanding your auto coverage can make the difference between an inconvenience and a major financial problem, so fall is a great time to review your auto insurance policy and consider your family’s insurance needs and budget before a potential loss.”

According to the Michigan State Police, more than 58,000 motor vehicle-deer crashes occurred in 2025. Approximately 80% of those crashes occurred on two-lane roads and occurred around dawn and dusk, when deer are most active.

Michiganders should consider whether comprehensive coverage, an optional coverage available for purchase, is right for them. Comprehensive provides coverage if your car is stolen, or for repairs if it is damaged by a falling object, fire, flood, vandalism, or a collision with an animal.

If you are involved in an accident with an animal, here are a few tips on what to do:

• If possible, pull off the road, turn on your emergency flashers, and be cautious of other traffic if you exit your vehicle.
• If you cannot drive your vehicle and it is still in the line of traffic, carefully exit the vehicle and stand at the side of the road out of the way of oncoming traffic.
• Report the crash to the nearest police agency and your insurance company or agent.
• Document the incident. If it is safe to do so, take photographs of the roadway, your surroundings, damage to your vehicle, and any injuries you or your passengers sustained. If witnesses stop, ask for their contact information.
• Do not approach the deer. Wounded animals can be dangerous, and an animal that appears to be dead may only be stunned.
• Don't assume your vehicle is safe to drive. Double-check that your car is drivable after colliding with a deer. Look for leaking fluid, loose parts, tire damage, broken lights, a hood that won't latch, and other safety hazards. If your vehicle seems unsafe in any way, call for a tow.

DIFS recommends reviewing policy documents or contacting your insurance agent or company to understand your coverage before you experience a loss, so you can make sure you are financially protected. If you have questions or concerns with your insurance policy or wish to file a complaint against your agent or company, contact DIFS at 833-ASK-DIFS Monday through Friday from 8 a.m. to 5 p.m. or visit Michigan.gov/DIFScomplaints.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. Translation services are available for individuals with limited English proficiency who contact the Department. For more information, visit Michigan.gov/DIFS or follow the Department on Facebook, X, or LinkedIn.

####