>>YOU HAVE NO CAR INSURANCE FOR PERSONAL INJURIES
CAUSED BY WILD DEER!>>
Perhaps not TPFT though comp should cover it as it would hitting anything else in the road, no?
If not then why not?
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I am with Cheddar on this. Please could OP give details of why he thinks holders of full comp insurance are not covered re deer impacts?
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Personally, I'm more concerned about the fact that I (or someone close to me) could be killed or injured, than I am about the fact the insurance situation.
If the death and injury statistics given are correct, I would like to see serious action taken by the government to reduce the number of deer on the roads.
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I hit a deer some 13 years back. Quite the worst motoring experience of my life ..... they gave me a Montego Estate whilst they repaired my car.
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snipquote
surely driving a montego is a worse experience than hitting a deer?
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I think you've got it MJ!
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at least you had no personal injury, your car was covered, no prob
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Personally I'm more concerned about the fact that I (or someone close to me) could be killed or injured than I am about the fact the insurance situation.
Deer jump out in the road because they see their own shadows as a threat. As your car approaches them, obviously the headlight beam shifts, and they shadow they perceive in their peripheral vision scares them into an evading tactic... straight in front of your car.
I've "caught" a small fox-terrier sized deer before, as well as a jackal. Fortunately no damage to me or vehicle. Some horrid jokes along the lines of 'who killed bambi', ' the buck stops here', Oh deer' etc etc etc from my mates...
But I've seen a toyota corolla panel van which had been hit by a flying eland, and the top was off as if it had been hit by a tin-opener.
Nasty stuff.
For frequenters of places where there is a high possibility of deer/antelope etc , they have actually produced a whistle which clips to the side of the car window/bonnet lid, which emits an animals-only picth which frightens them away from the road.
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>> Deer jump out in the road because they see their own shadows as a threat.
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Right, could you you explain to us how you know that to be a fact?
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look at the deer collision web site for answers
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Deer jump out in the road because they see their own shadows as a threat.
>Right, could you you explain to us how you know that to be a fact?
There are various theories about why they do it but the widely held belief in the parts of Africa where I lived was that the antelope see the movement of their own shadow beside them and instinct takes over. Assuming it to be a predator they react by heading away from the threat and leaping into the dark behind the headlights, usually ending up coming through the windscreen.
Many years ago I was driving home late at night from Windhoek to Swakopmund in Namibia. About 30kms outside Okahandja the headlights picked out an adult and young Kudu about 5m off the roadway on the other side of the road. I covered the brake pedal for a second or two but they had obviously seen and heard me from a long way off and turned to run back into the desert so I hit the gas again. Suddenly the adult did a 180 and ran straight across the road in front of me followed by the juvenile. I missed mum but hit her offspring broadside.
Fortunately my speed and it's juvenile weight and stature were sufficient to throw the poor thing completely over the car and it landed in the road behind me. The car was extensively damaged and undriveable.
Now, why an adult Kudu with it's young would suddenly turn from a safe retreat and run into the path of obvious danger is a mystery, I suspect it was fleeing from what it thought was an even greater threat.
About a year later a colleague was driving home at night in a P100 company pickup when an antelope jumped into the back of the pickup. The animal escaped but left behind a dent in the tailgate and bits of fur and blood. He firmly believes that it would have come through the windscreen if he hadn't had his interior light on.
As far as the OP goes, I'm glad that Cruiser is recovering OK but I think that personal insurance is the correct solution.
Kevin...
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Thnx Kevin.
drbe, without actually interviewing the antelope involved, it is rather hard to actually know what is going through their minds at the time they leap into oncoming cars.
However, as Kebin has pointed out, this is a widely-held belief, and researchers at various places of learning in Southern Africa say it is the best theory THEY can come up with as to the bizarre animal behaviour.
Areas such as the Klein Karoo and Eastern cape province have a huge problem in this regard - and as mantioned, whistles - and Kevin's point about driving with interior light on - are always touted as methods to cut the risk of the Bambi/vehicle juxtaposition.
I'll ask some chaps at the next office - a wildlife/travel magazine if they have anything more concrete on this.
thnx
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my deer passed (according to the police) entered thru the front screen and exited thru the rear screen.
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you are covered for death, its only injuries that are not covered!
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I am with Cheddar on this. Please could OP give details of why he thinks holders of full comp insurance are not covered re deer impacts?
see reply to Chedder, phone your insurance comp and they will tell you!
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Perhaps not TPFT though comp should cover it as it would hitting anything else in the road no?
I think the point is that if you were, for example, left paralysed then even your fully comp insurance would pay out very little.
If another car hit you (even uninsured) then compensation could run into millions.
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In all my 50 years of motoring I've never come across a deer on the road. I've come across all manner of lunatic drivers and I've been unable to avoid being run into by three.
--
L\'escargot.
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fully comp car insurance usually does not cover the insured person for personal injury, time off work due to injury, etc, its "fully comp" for the car not the driver
deer are a real problem in scotland and ive had a few near misses
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deer are a real problem in scotland and ive had a few near misses
If the possibility of being killed or permanently disabled by a deer is a real problem that you are aware of then I guess what you owe it yourself and your family to ensure that you're adequately covered with personal insurance.
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Am I missing something?
The Motorists Insurance Bureau puts a levy on car insurers which is effectively recovered from those of paying for car insurance and currently pays out when an uninsured driver causes damage of injury - fair enough, I have no problem with that concept.
The OP would like the levy, which will therefore increase, to cover injury caused by deer to TP drivers who don't pay the higher premium of fully comp.
If you feel you need the cover, YOU pay the premium.
The highways authorities sign up many roads where deer may be present, so that drivers are aware of the additional hazard and can slow down, if necessary!
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"The highways authorities sign up many roads where deer may be present, so that drivers are aware of the additional hazard and can slow down, if necessary! "
RT, does n't always work this way. The deer that committed suicide in front of me appeared out of a hedge at point blank range, no time to react. I hit it at same moment that I saw it only doing 30 mph. No signs on a country road and if there had have been it would n't have made any difference. Might just as well have signs for the deer along the roadside reading "beware traffic".
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The highways authorities sign up many roads where deer may be present so that driversare aware of the additional hazard and can slow down if necessary!
The Damn Deer are everywhere here in North Devon. The signs are ususally near huge forest covers where OBVIOUSLY the pesky blighters will be and "slowing down" won't make a happenth of difference. I have had a friend on a motorbike nearly killed by a Cock Pheasant let alone a Deer. Mind you he did look quite amusing with a Pheasant scarf. Dick dastardly came to mind!!
Mmmmmmmmmmmmm...........Venison.......Yummy.....MD.
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You miss the point, TP drivers are covered are covered by who hits them! therefore the levy is included in TP policys.
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In reply to Rupert's Trooper,
TP drivers are already loaded with the premium! If you had TP and were hit by an uninsured driver, you are covered! The road I was on did not have signs for deer, yet I was hit!
{Edited to remove full quoting of message being replied to - DD}
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And in 20 years of driving I have come across deer three or four times, including hitting a fawn in Scotland, fortunately it was immediately after I turned left into a road so I wasn't going too fast. It was pitch black and didn't see it. I hit it, but it was fine and ran off.
Why stop at deer though? Following a car in the Yorkshire Wolds at about 50mph a pheasant took off from the long grass verge and the car in front hit it. It made a real mess of the bumper and fog light of the car, needless to say the pheasant didn't get up. Had it been flying higher it could have hit the windscreen with potentially lethal consequences.
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there is no cover for collisions with wild deer!
If you were hit by an uninsured driver you would be covered by the Motorists Insurance Bureau, this is were I want to change deer collision from no cover to full cover via the Motorists Insurance Bureau.
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"Motorists Insurance Bureau"
Motor Insurer's Bureau to be accurate
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the Insurance company's cannot sue a wild deer! the only thing that is covered is your car if you are full comp! you are certainly not!
Full comp only covers your car not you. Some policy's cover a minimal amount of injury, Total Loss of a limb, total loss of an eye. thats it! My injuries were more severe,
Nine Fractures to Skull and jaws,
Brain Damage,
Double vision,
fractured wrist,
compound dislocation left thumb.
2 years 8 months off work recovering.
Car insurance does not cover for these injuries!
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