October, November and December are the most likely months for Ohio Motorists to encounter a deer on the roadway. Unfortunately, many deer strikes leave the motorist injured, with property damage and no insurance coverage. The only coverage that may help when you strike a deer is comprehensive/collision (to repair your automobile – less your deductible) and medical payments which can pay medical bills, co-pays and deductibles not covered by private health insurance.

Deer strikes can cause serious injuries so aside from the out of pocket costs of striking a deer, Ohio motorists are smart to follow a few rules to help reduce your chance of striking a deer on the roadway or sustaining injuries when encountering an animal in the roadway.

– Be aware of your surroundings and drive defensively at all times;

– pay attention to signs warning of the presence of deer in an area;

– pay particular attention around sunset and sunrise;

– do not overreact if you encounter a deer (or other animal) in the roadway. Often times motorists swerve out of their lane and are seriously injured by colliding with other vehicles, trees, buildings, etc. It is often the best course of action to brake hard, sound your horn with multiple short blasts and stay in your lane even if that means hitting the animal; and

– if you hit an animal on the roadway, be cautious about approoaching the animal after the collision. Often times motorists want to check a deer or other animal on the roadway if they strike it, that is human nature. But a wounded animal is a dangerous animal and if you are on the roadway you are at risk of being hit by another motorist. It is best to pull your vehicle safely off the road and call for help if you need it.

Below is a link to an article discussing the frequency of deer strikes state by state and some interesting facts about the costs of deer strikes from the insurance industry. Be careful on the roadways this Fall.

http://money.msn.com/auto-insurance/article.aspx?post=19dd580c-20a9-4fb5-914a-5bac011275bb