{"id":13122,"date":"2026-01-06T05:01:59","date_gmt":"2026-01-06T05:01:59","guid":{"rendered":"https:\/\/youset.ca\/?p=13122"},"modified":"2026-03-16T12:15:19","modified_gmt":"2026-03-16T12:15:19","slug":"what-to-do-if-you-hit-a-deer","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/what-to-do-if-you-hit-a-deer\/","title":{"rendered":"My Car Was Hit By a Deer. What Next?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Collisions with wildlife happen <\/span><a href=\"https:\/\/www.cp24.com\/local\/2024\/10\/19\/ontario-police-see-increase-in-wildlife-related-collisions\/\"><span style=\"font-weight: 400;\">more often than you might think<\/span><\/a><span style=\"font-weight: 400;\">, especially with deer. They can be unpredictable and are often hard to spot until it\u2019s too late. In fact, most car accidents involving deer occur at night, when visibility is low, and deer are more active.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">So, what should you do if your car is hit by a deer? Here&#8217;s what to do.<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_ef686745b9cb71c16df60cd58c1a99c4\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400\">If your car is hit by a deer, follow these steps:\u00a0<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Pull over and turn on your hazard lights<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Check for injuries<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Do not approach the deer<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Call emergency services (if necessary)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Assess the situation<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Call for roadside assistance (if necessary)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Document the damage and scene<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Contact your car insurance provider<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Decide whether to file an insurance claim<\/span><\/li>\n<li style=\"font-weight: 400\">Schedule repairs<\/li>\n<\/ol>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-1-pull-over-and-turn-on-your-hazard-lights\">Step 1: Pull over and turn on your hazard lights<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The first thing to do is move your car (and yourself) out of harm\u2019s way. If your vehicle is driveable, carefully pull over to the side of the road or onto the shoulder. Turn on your hazard lights. This alerts other drivers that something has happened and helps reduce the risk of another collision, especially if it\u2019s dark.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-2-check-for-injuries\">Step 2: Check for injuries<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The first person you should call after getting into a collision with a deer is 911<\/span><i><span style=\"font-weight: 400;\"> if<\/span><\/i> <span style=\"font-weight: 400;\"> anyone is hurt. So before you do anything else, take a moment to check yourself, your passengers, and anyone else involved for injuries.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-3-do-not-approach-the-deer\">Step 3: Do not approach the deer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Deer, like most wildlife, are unpredictable, especially when they\u2019re injured, startled, or scared. Even if the deer looks still, it could move suddenly, so keep a safe distance. Either stay in your car or on the shoulder of the road and wait for authorities to handle the animal properly.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-4-call-emergency-services-if-necessary\">Step 4: Call emergency services (if necessary)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Depending on the severity of the accident, you may need to call emergency services. If you, your passengers, other drivers, or pedestrians are injured, calling 911 is your first priority.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">You should also call 911 if your vehicle is stuck in a dangerous position on the road or if the deer poses a risk to other drivers. For example, if it\u2019s blocking or stumbling into oncoming traffic, you need to call 911 immediately to prevent further accidents.<\/span> <span style=\"font-weight: 400;\">If none of these apply, move on to the next step.\u00a0<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-5-assess-the-damage-and-report-the-collision\">Step 5: Assess the damage and report the collision<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Once you know everyone is safe, it\u2019s time to evaluate the damage. As long as it\u2019s safe to do so, check the damage to your vehicle and whether it\u2019s still drivable. If the damage appears to be mainly cosmetic, the car is still safely drivable, and the deer ran off, you can likely proceed to Step 7.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If the damage from the deer hitting your car appears to exceed $2,000 and\/or if the deer is over a certain size, some provinces and municipalities require you to report the collision to police. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">To do so, you likely do not need to call 911, as that is for emergencies involving injuries or immediate danger. Instead, look up the local police department\u2019s non-emergency phone line or go to the nearest collision reporting centre.<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-6-call-for-roadside-assistance-if-necessary\">Step 6: Call for roadside assistance (if necessary)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If your car is too damaged or unsafe to drive, don\u2019t risk it. Trying to drive your car if it\u2019s too badly damaged can make things worse, both for your safety and your insurance claim.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you have roadside assistance through your insurance provider or a roadside program, call their dedicated number. If you don\u2019t, contact a local tow truck company. Either way, they\u2019ll tow your vehicle to a safe location or directly to a repair shop.<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-7-document-the-damage-and-scene\">Step 7: Document the damage and scene<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Before you leave the scene (and so long as it\u2019s safe to do so), take the time to document what happened. Take photos and videos of:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Your vehicle damage (both close-ups and wide shots)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The road and the surrounding area<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The deer, if possible&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">This documentation will be extremely useful if you decide to file an insurance claim. It\u2019ll provide your insurer with a clear picture of what happened and can help speed up the process.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_4cdc85300d9d678805acae4e89e6f735\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on car insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-8-contact-your-car-insurance-provider\">Step 8: Contact your car insurance provider<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Most Canadian insurance providers require you to report <\/span><i><span style=\"font-weight: 400;\">any <\/span><\/i> <span style=\"font-weight: 400;\">incident that causes damage to your vehicle, regardless of whether you intend to <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/car-insurance-claims-dos-and-donts\/\"><span style=\"font-weight: 400;\">file a claim<\/span><\/a><span style=\"font-weight: 400;\">. Check the terms and conditions of your <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/how-to-read-your-car-insurance-policy-documents\/\"><span style=\"font-weight: 400;\">policy documents<\/span><\/a> <span style=\"font-weight: 400;\"> to confirm how long you have to report it, usually 7 to 30 days.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If your policy includes <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/comprehensive-car-insurance-in-canada\/\"><span style=\"font-weight: 400;\">comprehensive coverage<\/span><\/a><span style=\"font-weight: 400;\">, damage from hitting a deer is typically covered (minus your deductible). Comprehensive coverage protects against things outside your control, such as falling trees, lightning, and collisions with wildlife.\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\"><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-9-decide-whether-to-file-an-insurance-claim\">Step 9: Decide whether to file an insurance claim<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If your car was hit by a deer and your car insurance policy includes comprehensive coverage, you\u2019ll need to decide whether filing a claim makes sense.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If the repairs for the damage the deer did to your car cost less than your deductible, your insurance won\u2019t cover anything because it only applies to costs above your deductible. In this case, you\u2019ll move on to Step 10 and pay out of pocket.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the other hand, if the repair costs exceed your deductible, filing a claim could be worthwhile. In which case, you\u2019ll pay your deductible first, and your insurer will cover the remaining amount up to your policy limit. For example, if your deductible is $500 and repairs cost $1,200, you\u2019ll pay $500,<span style=\"font-weight: 400;\"> and your insurance will cover the remaining $700.\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-10-schedule-repairs-if-necessary\">Step 10: Schedule repairs (if necessary)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Once you\u2019ve decided how to handle the costs, whether paying out of pocket or filing a claim, it\u2019s time to arrange the repairs.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you\u2019re paying out of pocket, you can go ahead and schedule repairs right away with a mechanic or body shop you trust.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you decide to file a claim, wait for your insurer to give you the green light before scheduling any repairs. They may have preferred repair shops or other requirements you need to follow in order to ensure the work is covered.<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps\">Next steps<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Hitting a deer can be stressful, but the right <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/\"><span style=\"font-weight: 400;\">car insurance<\/span><\/a> <span style=\"font-weight: 400;\"> can help you recover without the financial strain. In most cases, damage from a collision with wildlife is covered under comprehensive coverage, not basic liability. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you\u2019re unsure whether you have it or don\u2019t have it yet, now is the perfect time to review your policy and make sure you\u2019re protected.<\/span> <span style=\"font-weight: 400;\">At <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet<\/span><\/a><span style=\"font-weight: 400;\">, we compare policies from top insurers in just minutes. Whether you\u2019re shopping for your <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/first-time-car-insurance\/\"><span style=\"font-weight: 400;\">first car insurance policy<\/span><\/a> <span style=\"font-weight: 400;\"> or want to upgrade your coverage, we\u2019ll help you find the right protection at the best price.<\/span><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-about-car-accidents-involving-deer\">FAQs about car accidents involving deer<\/h2>\n\n\n\n\t<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is hitting a deer an at-fault accident in Canada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, hitting a deer is not typically considered an at-fault accident in Canada. It\u2019s usually classified as a no-fault collision, since wildlife crossing the road is generally outside your control. However, your insurer will likely consider the circumstances. For example, if you were speeding, distracted, or driving recklessly, they might determine the accident could have been avoided, which could change things.\"}},{\"@type\":\"Question\",\"name\":\"Does insurance go up if you hit a deer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Since wildlife collisions are usually considered no-fault, your insurance is unlikely to increase just for hitting a deer. That said, at renewal, your insurer will review your overall claims history, driving record, and other risk factors, which can influence your premium.\"}}]}<\/script>\t<section id=\"post-faq-block_868b4efb0194ccc5f454ef75b1f209da\" class=\"g-post-faq py-8\">\n\t\t\n\t\t\t<div id=\"faq-collapse\" data-accordion=\"collapse\" class=\"max-w-[792px] mx-auto\">\n\t\t\t\t\n\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] bg-white p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t<div id=\"faq-collapse-heading-0\">\n\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#faq-collapse-body-0\" aria-expanded=\"false\" aria-controls=\"faq-collapse-body-0\">\n\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">Is hitting a deer an at-fault accident in Canada?<\/div>\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"faq-collapse-body-0\" class=\"prose hidden pt-4 max-w-[632px]\" aria-labelledby=\"faq-collapse-heading-0\">\n\t\t\t\t\t\t\t<div class=\"normalise body-3 !text-text-secondary\">\n\t\t\t\t\t\t\t\t<p>No, hitting a deer is not typically considered an at-fault accident in Canada. It\u2019s usually classified as a <a href=\"https:\/\/youset.ca\/en\/blog\/no-fault-car-insurance\/\">no-fault collision<\/a>, since wildlife crossing the road is generally outside your control. However, your insurer will likely consider the circumstances. For example, if you were speeding, distracted, or driving recklessly, they might determine the accident could have been avoided, which could change things.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] bg-white p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t<div id=\"faq-collapse-heading-1\">\n\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#faq-collapse-body-1\" aria-expanded=\"false\" aria-controls=\"faq-collapse-body-1\">\n\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">Does insurance go up if you hit a deer?<\/div>\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div id=\"faq-collapse-body-1\" class=\"prose hidden pt-4 max-w-[632px]\" aria-labelledby=\"faq-collapse-heading-1\">\n\t\t\t\t\t\t\t<div class=\"normalise body-3 !text-text-secondary\">\n\t\t\t\t\t\t\t\t<p>Since wildlife collisions are usually considered no-fault, your insurance is unlikely to increase just for hitting a deer. That said, at renewal, your insurer will review your overall claims history, driving record, and other risk factors, which can <a href=\"https:\/\/youset.ca\/en\/blog\/4-factors-that-affect-auto-insurance-premiums-in-quebec\/\">influence your premium<\/a>.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Collisions with wildlife happen more often than you might think, especially with deer. They can be unpredictable and are often hard to spot until it\u2019s too late. In fact, most car accidents involving deer occur at night, when visibility is low, and deer are more active.\u00a0 So, what should you&#8230;<\/p>\n","protected":false},"author":20,"featured_media":13127,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-13122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>My Car Was Hit By a Deer. What Next? - YouSet<\/title>\n<meta name=\"description\" content=\"Learn what to do if your car is hit by a deer. 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