The father tries to surprise his wife and two kids with Venison Steaks on the grill. He doesn’t tell them what it is. When his daughter inquires what kind of meat is this, the dad says, “take a guess, it’s a name your mom sometimes calls me.” The son screams “spit it out, it’s horse’s ***!”.
Can’t believe someone recommended that. Applies to squirrels and bunnies certainly. But clearly this expert hasn’t seen a 200 lbs deer come through a windshield, smack the driver in the face, and continue out the back window…with the driver’s head. Or deer carcasses that push the motors into the driver’s lap. AVOID the deer people, unless you are driving something TALL, with a deer/kangaroo bumper that will punt the beast or send it under your wheels. I see deer every night and drive everything from motorcycles to lifted trucks past them. I’ll take a ditch vs an impact with 200lbs at speed.
The premium I would save hunting for a better deal does not track well with the coverage I would get from a lower premium. It would be better to stay put than hoof it to another carrier. Plus it would rub my agent the wrong way.
Hitting a deer, especially a fully grown buck can be lethal. Years ago I processed a claim in CT where a car hit a buck crossing the highway that on impact, came over the hood, through the windshield and the horns killed the driver instantly. If you hit a deer and get out of it with just PD, count your blessings.
Most of the deer incidents happen on the first few hours after sunset with a full moon. I hit one last month as this exact time. The SC Highway Patrolman told me I was the third deer strike in an hour on the area that he patrols – highway 38 and 501 headed to Myrtle Beach. Total Damages $4,000 Speed 62 mph.
Hit the deer instead of the ditch and roll the vehicle. Less damage and also a comp claim instead of a collision claim when you roll in the ditch. I have seen more vehicle damage swerving to avoid a deer than hitting it head on. I tell all my clients to hit the deer, your odds are better.
Here in Texas, with the highest deer population in the nation, law enforcement recommends hitting the animal rather than risk flip, rollover, etc. However, in classic deer country ( central, south and southwestern parts of state ), pretty much all PU’s and SUV’s have grill guards anyway.
for one, it costs more to repair your damage from a deer than to swerve. for a number of reasons.
1) deer hit is a comp claim, you pay your ded and use a rental car (if you have it on your policy) while being fixed.
2) if you swerve, collision claim, and more damages are done because you may have hit the embankment flipped your car and then suffered some bodily injury likely. now because it was a collision claim, you will now be charged for the accident for 3 years! so your health insurance will have to help with your medical bills, another costly adventure. rates will go up on the next renewal.
yes, you need to hit the deer because you can’t control mother nature. you don’t get surcharged for the accident. in many cases your car is the sole damage versus yourself and the car on a collision claim. chances of you being hurt by hitting the deer are less than if you had decided to swerve and miss. i used to be an OTR TRUCKER and one occasion i had a deer jump in front of the truck. he moved quickly and nearly got clipped. now imagine if i had tried to swerve to miss him? more damage to my tractor, it’s load and then myself because i will get hurt bad on a roll. no different than a car!
Intersting to hear the various takes on deer collisions. I had mine while driving a Toypta Camry in PA some years ago when a young buck came up onto the secondary road from below grade just as I approached and leaped in front of the car. I pushed his legs from under him and he slid up and diagonally across the hood, his back towards the windshield, then off the left side of the car onto the road. I stopped, looked back and saw that he picked himself off the road and ran up the hill on the other side. Damage to the car was the loss of the left side mirror and a dented hood, grille and rightside headlamp, not to mention some hair and a bit of blood. But, had I swerved, I’d have either gone into the opposing lane, risking a head-on with another car, or off the same slope to the right of the road, from whence the deer came, possibly turning the car over. Both choices were potential disasters.
Thankfully, I wasn’t going fast when the incident occurred and it all seemed to happen in slow motion. I still have a clear memory of that deer’s back sliding towards the windshield before he went off the left side of the car. Niether I nor my passenger were injured.
Hitting a deer can cost a lot of bucks
The father tries to surprise his wife and two kids with Venison Steaks on the grill. He doesn’t tell them what it is. When his daughter inquires what kind of meat is this, the dad says, “take a guess, it’s a name your mom sometimes calls me.” The son screams “spit it out, it’s horse’s ***!”.
Can’t believe someone recommended that. Applies to squirrels and bunnies certainly. But clearly this expert hasn’t seen a 200 lbs deer come through a windshield, smack the driver in the face, and continue out the back window…with the driver’s head. Or deer carcasses that push the motors into the driver’s lap. AVOID the deer people, unless you are driving something TALL, with a deer/kangaroo bumper that will punt the beast or send it under your wheels. I see deer every night and drive everything from motorcycles to lifted trucks past them. I’ll take a ditch vs an impact with 200lbs at speed.
Actually when the insurance pays, it does not cost you much doe.
So you are recommending that we pass the buck?
Unless you have a high deductible, then you should hunt for a better deal.
The premium I would save hunting for a better deal does not track well with the coverage I would get from a lower premium. It would be better to stay put than hoof it to another carrier. Plus it would rub my agent the wrong way.
Oh Deer! Sorry to hear that GL Guru.
Hitting a deer, especially a fully grown buck can be lethal. Years ago I processed a claim in CT where a car hit a buck crossing the highway that on impact, came over the hood, through the windshield and the horns killed the driver instantly. If you hit a deer and get out of it with just PD, count your blessings.
Most of the deer incidents happen on the first few hours after sunset with a full moon. I hit one last month as this exact time. The SC Highway Patrolman told me I was the third deer strike in an hour on the area that he patrols – highway 38 and 501 headed to Myrtle Beach. Total Damages $4,000 Speed 62 mph.
Did you get any points on your driving record for the accident?
Hit the deer instead of the ditch and roll the vehicle. Less damage and also a comp claim instead of a collision claim when you roll in the ditch. I have seen more vehicle damage swerving to avoid a deer than hitting it head on. I tell all my clients to hit the deer, your odds are better.
Here in Texas, with the highest deer population in the nation, law enforcement recommends hitting the animal rather than risk flip, rollover, etc. However, in classic deer country ( central, south and southwestern parts of state ), pretty much all PU’s and SUV’s have grill guards anyway.
Plus you’re charged with an AAF if you avoid the deer and have a one car collision. Better to hit the deer.
costs?
for one, it costs more to repair your damage from a deer than to swerve. for a number of reasons.
1) deer hit is a comp claim, you pay your ded and use a rental car (if you have it on your policy) while being fixed.
2) if you swerve, collision claim, and more damages are done because you may have hit the embankment flipped your car and then suffered some bodily injury likely. now because it was a collision claim, you will now be charged for the accident for 3 years! so your health insurance will have to help with your medical bills, another costly adventure. rates will go up on the next renewal.
yes, you need to hit the deer because you can’t control mother nature. you don’t get surcharged for the accident. in many cases your car is the sole damage versus yourself and the car on a collision claim. chances of you being hurt by hitting the deer are less than if you had decided to swerve and miss. i used to be an OTR TRUCKER and one occasion i had a deer jump in front of the truck. he moved quickly and nearly got clipped. now imagine if i had tried to swerve to miss him? more damage to my tractor, it’s load and then myself because i will get hurt bad on a roll. no different than a car!
Intersting to hear the various takes on deer collisions. I had mine while driving a Toypta Camry in PA some years ago when a young buck came up onto the secondary road from below grade just as I approached and leaped in front of the car. I pushed his legs from under him and he slid up and diagonally across the hood, his back towards the windshield, then off the left side of the car onto the road. I stopped, looked back and saw that he picked himself off the road and ran up the hill on the other side. Damage to the car was the loss of the left side mirror and a dented hood, grille and rightside headlamp, not to mention some hair and a bit of blood. But, had I swerved, I’d have either gone into the opposing lane, risking a head-on with another car, or off the same slope to the right of the road, from whence the deer came, possibly turning the car over. Both choices were potential disasters.
Thankfully, I wasn’t going fast when the incident occurred and it all seemed to happen in slow motion. I still have a clear memory of that deer’s back sliding towards the windshield before he went off the left side of the car. Niether I nor my passenger were injured.