The Trouble with Deer
Over the past four years, the number of deer-related claims paid by State Farm Insurance has increased 7.9%
State Farm’s data shows that November is the month during which deer-vehicle encounters are most likely. More than 18% of all deer strikes take place during the 30 days of November. Deer-vehicle collisions are three times more likely to occur on a day in November than they are on any day between Feb. 1 and Aug. 31. October is the second most likely month for a crash involving a deer and a vehicle. December is third.
The average property damage cost of these incidents during the final half of 2011 and the first half of 2012 was $3,305, up 4.4% from the year before.
Here are tips from the Insurance Information Institute on how to reduce the odds of a deer-vehicle collision:
• Keep in mind that deer generally travel in herds – if you see one, there is a strong possibility others are nearby.
• Be aware of posted deer crossing signs. These are placed in active deer crossing areas.
• Remember that deer are most active between 6 and 9 p.m.
• Use high beam headlamps as much as possible at night to illuminate the areas from which deer will enter roadways.
• Don’t rely on car-mounted deer whistles
When a crash with a deer is unavoidable, the Michigan Deer Crash Coalition recommends the following:
• Stay in your lane. Don’t swerve.
• Brake firmly.
• Hold onto the steering wheel using both hands.
• Come to a controlled stop.
• Steer your vehicle well off the roadway.
Driving in Flood Conditions
Review safety steps your drivers can take if they suddenly find themselves traveling in flood conditions. Flooding can occur anywhere. Progressive Insurance has provided the following tips:
Pay attention to barricades. Don’t ignore them by driving past them.
Do not drive through standing water on roads or in parking lots. The average automobile can be swept off the road in 12 inches of moving water, and roads covered by water are prone to collapse. Attempting to drive through water also may stall your engine, with the potential to cause irreparable damage if you try to restart the engine. If you come upon a flooded street, take an alternate route.
If you’re forced to drive through water you are taking a high risk that only an extreme emergency would warrant with the potential of being stranded or drowning, damage to the vehicle, loss of brakes, etc.