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consumer alert - Deer-Related Accidents

Commissioner Teresa Miller is alerting drivers that if they are involved in an accident with a deer, their insurance company cannot add a surcharge to their premium. The autumn and early winter months have the highest rates of accidents involving deer, with November being the highest.

Under Pennsylvania state law, crashes involving deer are considered not-at-fault accidents, and insurance companies cannot add a surcharge to a policyholder’s premium as a result. This excludes drivers that do not come into contact with a deer.

Pennsylvania had the second highest rate of car accidents involving deer in the country last year. Pennsylvanians have a one in 70 chance of being involved in a deer-related accident.

Deer are most active at dawn and dusk, according to the Pennsylvania Game Commission. Daylight savings time ends November 1, which means that more drivers will be making their daily commutes during these peak hours.

To report a dead deer for removal from state-maintained roads, motorists can call the Pennsylvania Department of Transportation at 1-800-FIX-ROAD.

If consumers have questions about auto insurance, they should contact the Insurance Department Consumer Services Bureau at under the “Consumers” tab, or by calling 1-877-881-6388.