Does insurance cover to swerve hitting a deer?

Does Insurance Cover Swerving and Hitting a Deer?

It’s not an uncommon phenomenon, and deer-related crashes have been known to be more common, especially during fall hunting season. When accidents do happen, victims often worry about whether their insurance covers the situation, which prompts a crucial question: does insurance cover swerving to avoid a deer and hitting one accidentally? The answer is somewhat ambiguous and influenced by the specific terms and circumstances surrounding the crash.

**The Direct Answer: Most States Are Covered But the Insurance Companies Do Not Offer Mandatory Policy Endorsement.

Unfortunately, there isn’t an official state-by-state table provided in the insurance documents indicating specifically where deer strikes will or will not be covered by car insurance companies. We contacted top-ranked insurance companies, who gave general guidance; no, your current policy will never specifically _cover for "purposeful deviation from route." As highlighted below

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