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Understanding the Dangers: Hitting a Deer on a Motorcycle
For motorcycle riders, a sudden encounter with a deer can be one of the most frightening situations imaginable. Instinctively, riders may apply brakes or swerve to avoid a collision. However, this split-second decision can have significant consequences. Knowing what to do in the event of a deer collision is essential for every motorcyclist.
Who’s Responsible in a Deer Collision?
As unlikely as it sounds, you can't sue a deer. This means that when accidents occur due to wildlife, like deer, the responsibility often falls into a gray area. In most states, collisions with deer are categorized as comprehensive claims, which are considered acts of nature, rather than accidents where a specific party is at fault.
The Insurance Dilemma: Hit or Avoid?
One intriguing aspect that many riders might not know is that from an insurance perspective, it may often be better to hit the deer than to swerve and crash. Hitting the deer typically results in a comprehensive claim, whereas swerving can lead to a collision claim, which may raise your insurance premiums. Knowledge of this insurance classification is critical to navigating the road ahead.
Be Prepared: Coverage That Matters
Not all motorcycle insurance policies are alike. Key coverages that bikers should consider include comprehensive coverage—which protects against damage caused by wildlife—as well as collision and uninsured/underinsured motorist coverage. Such policies help ensure that riders are not left in a financial bind after an unfortunate encounter with wildlife.
Extra Protection for Riders: The BikerDown Roadside Plus
Even the best insurance may leave gaps when it comes to unforeseen circumstances post-accident. Programs like BikerDown’s Roadside Plus membership offer additional safety nets, providing nationwide roadside assistance and accident scene support. It’s a way for riders to add another layer of financial protection, ensuring help is readily available when you need it most.
What to Do After a Deer Collision
If you do find yourself in a deer-related accident, make sure to follow specific steps for your safety and insurance claims. Start by seeking medical attention immediately for any injuries, document the incident with photographs, and file a police report. These actions pave the way for a smoother claim process and can help you receive the compensation you deserve.
Safeguarding Against Future Encounters
Riders can take preventive measures to minimize the risks of hitting a deer. In regions with high deer activity, staying alert, watching for deer crossing signs, and avoiding swerving can make all the difference. Remember, slowing down is crucial, especially during dusk and dawn when deer are most active.
Final Thoughts
Knowing how to protect yourself as a motorcyclist in the event of a deer hit—through adequate insurance and understanding responsible behavior—can significantly change the outcome of an accident. For riders, being informed is the key to navigating potentially hazardous encounters on the road.
As always, prepare yourself before hitting the road, and consider joining riding groups or checking resources that share tips about motorcycle safety.
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