Let’s set the scene: you’re driving peacefully through a scenic backroad when suddenly—bam!—a deer leaps out like it’s auditioning for “Fast & the Furriest.” You’re shaken, your car’s dented, and Bambi’s nowhere to be seen. What now?
Well, your insurance company wants proof. And not just your word.
These days, insurance carriers are tightening their antlers—I mean, standards—when it comes to animal-related claims. Gone are the days when simply saying, “I hit a deer” would get you a smooth claims process.
Now? They’re asking for:
- 📸 Photos of the damage at the scene
- 🦌 Evidence like deer hair, hoof marks, or any signs that Bambi was actually there
- 📍 Time and location details (bonus points if your car’s dashcam caught it!)
Why the change? Fraud prevention, mainly. Some folks try to pass off late-night fender benders as “wildlife collisions.” So now insurers want the kind of CSI-level proof that makes your story stick.
Here’s what to do if you hit a deer:
- Pull over safely. Don’t chase the deer—it’s not a Scooby-Doo episode.
- Call the authorities. A police report helps too.
- Snap pics. Damage, deer hair, surrounding area, license plate—everything.
- Don’t clean the car yet. That deer hair may be your golden ticket.
- Contact your agent ASAP.
Pro tip: Keep a small emergency kit in your glove box with a flashlight, gloves, and your phone charger. You’ll thank yourself.
Listen—we know it sounds weird to say “collect deer hair” like you’re starting a taxidermy side hustle, but this stuff matters now. So when it comes to protecting your policy and your wallet?
Pics or it didn’t happen.
Why We’re Different
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.