Online Auto Insurance: Upcoming "Rut" Should Have Michiganders Checking Their Policies

Lansing, MI, October 03, 2011 --( A warning issued this week about the dangers deer pose on Michigan roads should also serve as a reminder to motorists nationwide about the importance of protecting themselves financially against damages caused by animals, weather and other forces of nature, according to Online Auto Insurance (OAI).

The Michigan Deer Crash Coalition (MDCC) is urging drivers in that state to watch out for the hoofed herbivores on roadways. Accidents involving vehicles and deer are more common during the fall and are not only dangerous, but can also be costly - especially if you don’t have the right kind of auto insurance in Michigan to cover losses resulting from colliding with an animal.

Authorities say the state’s two million deer are most active in spring and fall, with more than 60,000 deer-vehicle crashes each year in the state.


Those figures are in keeping with the high numbers of accidents involving deer nationwide.

There are more than 1.6 million deer-vehicle crashes annually, causing about 200 deaths and more than $3.6 billion in damage to vehicles, according to the Insurance Information Institute (III). Another $1 billion is spent on related medical payments and out-of-pocket expenses paid by car owners.

OAI advises motorists to consider the benefits of buying an auto policy that includes comprehensive coverage. Unlike other types of insurance, comprehensive coverage protects consumers against losses caused by animals, as well as damages that result from fire, flooding and other weather-related events, plus theft and vandalism.

Comprehensive is not required in any state, except as part of a vehicle loan agreement, and it may cost a little more. But it could turn out to be a good investment for anyone who has the bad fortune of running into a deer.

The average claim for a deer-vehicle crash is $3,100, according to III, with costs varying based on the type of vehicle involved and the extent of the damage.

To learn more about this and other safety and coverage issues, readers can go to where they will find informative resource pages and a free-to-use rate-comparison generator.

Online Auto Insurance
Gregor McGavin