Deer mating season significantly increases the risk of vehicle collisions across Illinois, especially from October through January. Deer season safe driving tips for Chicago drivers include heightened awareness at dawn and dusk, proper use of headlights, and avoiding sudden swerving. In Cook County alone, nearly 500 deer collisions were reported in 2021, underscoring the local risk.
Protect yourself and your vehicle—call Insure on the Spot in Chicago at 773-202-5060 for expert guidance on auto insurance and coverage options.
Why Does Deer Season Pose Risks for Illinois Drivers?
Each fall, Illinois drivers face a spike in deer activity, coinciding with their breeding season. According to the Illinois Department of Transportation (IDOT), there were 14,522 deer-related crashes statewide in 2021, with over 40% occurring in autumn and November marking the peak. Even in metropolitan areas like Chicago, deer are a genuine hazard.
Deer often travel in groups, making it likely you’ll encounter more than one at a time. Collisions with deer can lead to serious vehicle damage or injury, so Chicago-area drivers must remain cautious and prepared during this season.
How Can Chicago Drivers Avoid Deer Collisions?
Stay safe on Illinois roads by following these practical driving tips, recommended by state authorities:
- Be Alert During Peak Deer Hours: Deer activity peaks at dawn and dusk (approximately 5–7 a.m. and early evening). Stay particularly attentive during these hours.
- Use High Beams Responsibly: At night, high beams can help spot deer by illuminating their eyes. Switch to low beams promptly when encountering oncoming traffic.
- Observe Deer Crossing Signs: Slow down significantly in areas marked by deer crossing signs, especially near wooded or rural areas around Chicago.
- Slow Down and Honk if Necessary: If you spot deer on or near the roadway, reduce your speed and tap your horn in short bursts to startle them away. Expect multiple deer to follow.
- Avoid Sudden Swerving: Resist the urge to swerve sharply, which may result in a more severe crash. Instead, brake firmly and maintain your lane to minimize danger.
- Wear Seatbelts: Always buckle up. Seatbelts substantially reduce injuries in collisions.
- Eliminate Distractions: Put away mobile phones and focus solely on driving, especially during deer season. Distracted driving greatly increases collision risk.
IDOT’s message for Illinois drivers is clear: “Don’t veer for deer.” Maintaining control of your vehicle is always the safest choice.
What Should Illinois Drivers Do After Hitting a Deer?
Even careful drivers can experience unavoidable deer collisions. Follow these steps if you’re involved in a deer collision in Illinois:
- Pull Over Safely: Slow down gradually and park on the shoulder or a safe area. Turn on hazard lights to alert other drivers.
- Stay Inside Your Vehicle: Do not approach the injured animal. Frightened deer may behave unpredictably and could harm you.
- Report to Authorities: Dial 911 immediately. Illinois law enforcement or conservation officers will assist you, document the incident, and manage the scene.
- Check for Injuries: Confirm the well-being of all passengers. Seek medical assistance promptly if injuries occur.
- Document the Incident (Safely): If it’s safe and you’re uninjured, photograph the accident scene, damage to your car, and the deer. These details support your insurance claim.
- Notify Your Insurer: Contact your insurance provider as soon as possible. They’ll guide you through filing a claim for vehicle repairs.
Illinois authorities explicitly advise against approaching or moving injured wildlife—always let professionals manage the situation for your safety.
How Do Deer Collisions Impact Auto Insurance Rates in Chicago?
A common concern among drivers is how a deer collision will affect their insurance premiums. Fortunately, Illinois drivers can generally expect minimal impact:
- Comprehensive Coverage Handles Deer Collisions: Damage from hitting deer falls under comprehensive coverage, addressing events such as animal collisions, fire, and theft.
- No Fault, No Surcharge: Deer collisions are typically not your fault, meaning your insurer generally won’t penalize you with higher premiums for this specific incident.
- Possible Discount Impact: While insurers won’t surcharge your policy, you may lose discounts like a “claim-free” reward after filing any claim, potentially leading to slightly higher renewals.
- Multiple Claims Consideration: Repeated comprehensive claims might raise concerns with your insurer about overall risk, potentially affecting rates or coverage availability.
- Collision vs. Comprehensive Distinction: Swerving and hitting a stationary object or another car triggers collision coverage, often increasing your premium. Staying in your lane and hitting the deer directly activates comprehensive coverage instead, typically safeguarding you from rate hikes.
To fully protect your finances, ensure your policy includes comprehensive coverage, especially during Illinois deer season. Basic state-minimum liability coverage does not cover your vehicle damage, potentially leaving you with hefty repair bills.
Frequently Asked Questions (FAQs)
Q: Does auto insurance in Illinois cover hitting a deer?
A: Yes. Comprehensive auto insurance typically covers vehicle damage from deer collisions, minus your deductible. Illinois minimum liability coverage does not include comprehensive coverage; without it, you’re responsible for repair costs.
Q: Will my rates increase after hitting a deer in Illinois?
A: Usually not. Comprehensive claims for deer collisions are typically considered no-fault, avoiding premium hikes. However, losing a claim-free discount or multiple claims could slightly influence rates.
Q: What steps should I immediately take after a deer collision?
A: First, safely pull off the roadway and activate your hazard lights. Call 911 to report the incident and wait in your car until authorities arrive. Do not approach the deer, as injured wildlife can pose a danger.
Q: When are deer most active on Chicago roads?
A: Deer activity peaks in Illinois from October to December, particularly in November, at dawn and dusk. Extra caution during these hours significantly reduces collision risks.
Q: What’s the minimum required auto insurance coverage in Illinois?
A: Illinois mandates at least 25/50/20 liability coverage: $25,000 per person for bodily injury, $50,000 per accident, and $20,000 for property damage. Note that this minimum doesn’t cover your vehicle damage; comprehensive coverage protects against deer collisions.
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Insure on the Spot provides tailored auto insurance solutions specifically designed for Illinois drivers. With extensive local expertise—from navigating busy Chicago streets to handling unexpected wildlife encounters—we’re committed to ensuring your peace of mind. Don’t leave your vehicle and financial security to chance—call Insure on the Spot at 773-202-5060 or get a Free Quote Online Today! to make sure you’re properly protected during Illinois deer season and all year round.