Colliding with another vehicle is entirely different than hitting a deer. Pennsylvania is the third-most likely state in the U.S. for deer-vehicle collisions.
If you have ever been in a deer-car accident, you probably know that a deer can cause significant damage to your vehicle and leave you and your passengers severely injured. What many do not realize is that their auto insurance coverage may cover their damages and losses suffered as a result of a deer-vehicle collision.
Our Philadelphia deer-vehicle collision attorney at Dan Doyle Law Group explains that accidents involving deer are considered not-at-fault accidents, which means hitting a deer is not typically the fault of the driver. What it also means is that insurance companies are prohibited from adding a surcharge to your insurance premium as a result of colliding with a deer.
Sounds great, right? Unfortunately, seeking compensation for your damages and losses from your own insurance company in the event of a deer-vehicle collision can be challenging. Many motorists who get injured or whose vehicle is damaged in a deer-car crash find it difficult to prove that the injury or vehicle damage was caused by a deer, not something else.
More often than not, seeking help from an experienced deer-vehicle collision attorney in Philadelphia or elsewhere in Pennsylvania is the single best thing you can do to (a) prove that you hit a deer, and (b) get a fair settlement from your insurance company.
While we have established that your insurance company will cover your damages and losses after a deer-car accident, including medical expenses and the cost of repairs to your vehicle, what happens if another motorist swerves to avoid a deer and, as a result, crashes into your vehicle?
That’s a good question, but we have an answer for you. Unfortunately, the other motorist’s insurance policy will most likely not cover your damages and losses if that motorist hit your vehicle after swerving to avoid a collision with a deer. The only way you can seek compensation through the other motorist’s insurance policy is if you can prove that that driver acted negligently or violated a traffic rule.
But what happens when another driver hits a deer and then causes a car accident? This is a trickier situation that may require investigation from a skilled car accident lawyer, because the driver will not be held liable for the damages and losses unless negligence was involved.
For example, if the other motorist overreacted or did something unreasonable when trying to avoid hitting a deer, he or she may still be held liable if you can prove that his or her actions constituted negligence.