What Happens If You Hit a Deer in Alabama? Insurance Coverage Explained

You're driving down Highway 280 at dusk when a deer jumps out of nowhere. You hit the brakes, but it's too late—THUD. Now you're sitting on the side of the road with a smashed hood, broken headlight, and a $3,500 repair bill staring you in the face. Will your insurance cover it? Will your rates go up? Let's answer these questions honestly.

What Insurance Coverage Pays for Deer Damage?

Here's what most people get wrong: liability insurance does NOT cover deer collisions. You need comprehensive coverage (sometimes called "other than collision" coverage). Here's why:

• Liability only covers damage you cause to OTHER people and their property
• Collision covers accidents where you hit another vehicle or object (like a tree or guardrail)
• Comprehensive covers damage from things you can't control: deer, hail, theft, vandalism, falling trees, etc.

If you only have Alabama's minimum required insurance (liability only), you're paying for that deer damage out of pocket. Period.

How Much Does Deer Damage Typically Cost?

Based on claims we've handled at TCDS, here's what we see in Alabama:

Will Your Rates Go Up After Hitting a Deer?

This is the question everyone asks, and here's the honest answer: It depends on your insurance company.

Most carriers consider deer collisions "not-at-fault" claims because you didn't cause the accident. However:

• Some carriers don't raise rates at all for a single deer claim
• Some raise rates slightly (10-20%) because you filed a claim
• Multiple deer claims in a short period will almost certainly increase your rates
• Your claims history matters—if you've had other recent claims, this could be the one that triggers an increase

At TCDS, we represent carriers with different policies on this. Some (like Nationwide and Travelers) typically don't surcharge for a single deer claim. Others might. This is why working with an independent agent matters—we can move you to a carrier with better deer claim policies if needed.

Should You File a Claim or Pay Out of Pocket?

Here's the math you need to do:

Why would you NOT file a claim for smaller damage? Because even if your rates don't go up immediately, multiple claims on your record can affect your insurability when you shop for new coverage. Some carriers won't even quote you if you've had 2-3 claims in three years.

What to Do Immediately After Hitting a Deer

Follow these steps to protect yourself and maximize your claim:

How to Prevent Deer Collisions in Alabama

You can't eliminate the risk, but you can reduce it:

• Drive defensively at dawn and dusk—that's when deer are most active
• Watch for deer crossing signs—they're placed in high-collision areas for a reason
• Slow down on rural roads, especially Highway 280, Highway 119, and roads through Bankhead National Forest
• Use high beams when possible—you'll see deer eyes reflecting in the distance
• If you see one deer, expect more—they travel in groups
• Don't swerve—hitting a tree or oncoming car is worse than hitting a deer. Brake firmly and stay in your lane.

Real Example: Birmingham Driver Hits Deer on Highway 280

The Bottom Line

If you live in Alabama and drive regularly, hitting a deer isn't a matter of "if"—it's "when." Here's what you need to know: