Only if you report it accurately.
if you are HITTING a deer in Indiana then you should probably stop.
If you hit a deer while driving, your rates should not increase. If you swerve to hit a deer and hit a tree, your rates should increase. The thought behind this is anyone could say they swerved to miss a deer when an accident happens and their rates would not increase. If you hit the deer, there will obviously be proof coming from your front end.
Indubitably.
no sorry about your luck if it took out your windshield it was a taller deer
Yes! I did it and had to pay my deductible.
If you hit the deer, it would fall under your COMPREHENSIVE auto coverage (if you have it). You need deer hair on the car, at the point of impact, for it to be covered under comp. Roughly 25% of all US drivers lack this coverage and the understanding of ALL of the things that it can cover. If you avoid the deer, and crash, then it would fall under your COLLISION auto coverage (if you have it), and would count as an at fault accident, and your rate/premium could increase. However, do not listen to those who tell you Not to avoid hitting that deer. Since deer have long legs, they generally "fly" over the hood through the windshield. This can result in serious bodily injury. Sometimes the driver is even paralyzed for life.
AnswerGenerally YES, they do increase, being that there is no "third party" so-to-speak in which the insurer can subrograte against.I say no, it is a comp claim and doesn't count against the driver. If the driver was cited for the incident, then they would go up.
What the extra deer may do to the forests ecosystem is increase the amount of deer their is in the forest.
an increase in competition between the deer
When John was driving on the road he had to veer to the right to avoid hitting the deer.
Generally when it comes to hitting an animal your insurance angency will only make you pay your deductible. Sometimes it is completely covered.
If you have full coverage then you just call your insurer and report the accident. If you just have liability then your on your own. The deer likely has no insurance.