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Oh Deer! Ohio Motorists Urged to Check Collision Insurance
"COLUMBUS, Ohio -- With deer-vehicle collisions on the rise, Ohio Insurance Director Ann Womer Benjamin is asking Ohio motorists to investigate their insurance options and to take extra precaution while traveling. Typically, vehicle accidents involving deer are at their peak this time of the year, and early evening and dawn driving times are of particular concern, Womer Benjamin said.Last year, there were 31,729 deer-vehicle collisions in Ohio, a 4.7% increase over the previous year, Womer Benjamin said. "Fall is the time of year when most deer-vehicle accidents occur," she said. "Ohio's large deer population, coupled with its vast roadway system and numerous vehicles, increases the likelihood of an accident. It is important to know what to do should you strike a deer and to understand the insurance implications of such an incident." The department's Consumer Services Division can provide information to motorists on how to ensure that their automobiles are protected from damages caused by deer-vehicle collisions. Most automobile insurance policies pay for damages (after a deductible) caused in deer-vehicle collisions through comprehensive coverage, Womer Benjamin said. Also called "other than collision," comprehensive coverage normally pays claims due to losses such as theft, vandalism, and fire. However, she pointed out that Ohio law does not require drivers to carry comprehensive coverage, so it's important for consumers to check their policies for coverage amounts.Meanwhile, the Insurance Department offers the following advice on preparing for a deer-vehicle collision: Carry your insurance information card with you at all times when traveling in your vehicle. Keep an emergency kit in your car should your vehicle become disabled or a hazard is warranted. Contact local law enforcement or the Ohio State Highway Patrol to report the incident. Call your insurance company to report the incident and to file a claim. If you should have questions about the claims process or would like to file a dispute with your insurance company, call the Ohio Department of Insurance at (800) 686-1526."