Nov. 29 – WILKES-BARRE – Pennsylvania Insurance Commissioner Jessica Altmann and State Police Commissioner Colonel Robert Evanchick Monday Reminded drivers of the higher risk of game accidents in autumn and that insurance companies cannot add a surcharge to car insurance premiums for such accidents.
“Under Pennsylvania According to law, an accident involving game or other wild animals is considered a no-fault accident, and insurers cannot add a surcharge to your premium for a game accident, “said Altman.” However, this exclusion does not apply if your car does not come into contact with the deer. Vehicle damage caused by accidents involving wildlife is treated as part of a fully comprehensive insurance for the driver. “
District farm Data shows Pennsylvanians have a 1 in 54 chance of being involved in an animal crash, the fifth highest in the nation.
The Pennsylvania Department of Transportation (PennDOT) reported more than 5,581 wildlife accidents in 2020, compared to 4,300 in 2019. The accidents in 2020 resulted in 1,028 injuries and 4 fatalities.
Between July 1, 2020, and June 30, 2021, an estimated 1.9 million animal collision insurance claims have been processed nationwide.
According to Pennsylvania Game Commission, Dawn and dusk are peak times for deer activity. In addition, according to insurance industry reports, in November motorists are most likely to have a wildlife accident. October and December are the second and third most likely months for animal crashes.
Motorists should consider the following tips American Automobile Association (AAA) to prevent an accident or to reduce the damage caused by a collision:
– Pay attention to the traffic signs while driving. Yellow, diamond-shaped signs with a deer image indicate areas with high deer activity.
—Drivers should continuously scan the road in front of the vehicle for signs of animals and movement. Many accidents are caused by a driver crashing and
—Use the high beam when there is no oncoming traffic. In general, the light reflected from their eyes gives away their location.
– Slow down and watch out for other deer to show up. Deer rarely travel alone; if one is seen, there are probably more.
– Resist the urge to swerve: Instead, stay on track with both hands firmly on the steering wheel. Moving away from animals can confuse them so they don’t know which direction to run. It can also put the vehicle in the way of oncoming vehicles or cause a driver to collide with something else.
—If the accident is imminent, drivers should take their foot off the brakes. When braking hard, the front of a vehicle is pulled down, allowing the animal to drive over the hood towards the windshield. Releasing the brake can protect the driver from beating the windshield, as the animal is more likely to be pushed to one side of the vehicle or over the vehicle roof.
—Always wear a seat belt. The risk of injury in a collision with an animal is much higher if the driver is not buckled up.
“Fall is the breeding season for deer and they may be less aware of their surroundings,” Altman said. “It’s important to remember to stay vigilant, buckle your seat belts and try not to evade your car. If a collision with animals is inevitable, stay on the road.”
Colonel Evanchick added, “Driving at the advertised speed limit, eliminating distractions in the vehicle, and choosing never to drive in a compromised manner are decisions that can save lives during the peak months of the deer mating season. If you meet a deer, drive to a safe area. and assess the situation to find out what to do next. If there are injuries that require medical attention, your vehicle needs towing, or the road is blocked, call the emergency number immediately. “
In Pennsylvania, Two types of accidents must be reported to the police: accidents in which a vehicle is damaged in such a way that it cannot be driven off and collisions which result in injury or death. Minor collisions or fender bends that do not result in injury can be reported to the police, but this is not required by law.
Drivers involved in an accident involving another vehicle must share driver’s license and insurance information with the parties involved and provide assistance if necessary.
To report a dead deer for removal from government roads, call Pennsylvania Department of Transportation at 1-800-FIX-ROAD.
Consumers with questions about auto insurance can contact the Insurance Department Consumer Service Bureau by phone at 1-877-881-6388 or at www.insurance.pa.gov.
Reach Bill O’Boyle at 570-991-6118 or on Twitter @TLBillOBoyle.
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