Why Fall Driving is Riskier
Oklahoma drivers know that September, October, and November bring more than cooler weather—they bring an increased risk of deer-related auto accidents. With deer more active during mating season, crashes spike across rural highways, suburban neighborhoods, and even city edges.
According the Oklahoma Department of Public Safety:
- In 2020 alone, 836 deer-related vehicle crashes were reported in Oklahoma (actual numbers are likely higher).
- The average deer-collision claim in Oklahoma in 2023 cost $6,542, largely due to expensive high-tech vehicle repairs.
For drivers, that means understanding what to do if you hit a deer in Oklahoma (and how your auto insurance coverage applies) is crucial.
What to Do Immediately After Hitting a Deer
- Ensure Safety First
- Pull over safely, turn on hazard lights, and check for injuries.
- Call 911 if someone is hurt or the damage is severe.
- Avoid approaching the deer—it may be injured and dangerous.
- Document the Scene
- Take photos of the vehicle, surroundings, and any injuries
- File a police report. Even if not required, it helps streamline your insurance claim.
- Contact Your OKFB Insurance Agent Promptly
- If you have comprehensive coverage, that will apply to deer and animal collisions.
- Liability-only policies generally do not cover deer damage.
- Share documentation and the police report number with your agent.
- Repair Your Vehicle
- Work with a trusted repair shop. Newer vehicles with cameras, sensors, and advanced driver-assist systems often cost more to repair after a collision.
Why Deer Collisions Peak in September and October in Oklahoma
- Mating Season: Deer activity surges from October through December, especially at dawn and dusk.
- Rural and Suburban Roads: Oklahoma’s open landscapes, tree lines, and highways make sudden deer crossings common.
- Crash Frequency: Nationally, there are nearly 1.9 million animal-related crashes annually. In Oklahoma, collisions spike every fall.
Tips to Avoid Deer Collisions
- Drive carefully at dawn and dusk—peak times for deer movement.
- Slow down in rural areas, wooded zones, and marked deer crossings.
- Use high beams when possible to catch the reflection of deer eyes.
- Never swerve suddenly—brake firmly and stay in your lane.
- Remember: where there’s one deer, there are usually more.
Deer collisions in Oklahoma aren’t just inconvenient—they can be costly and dangerous. That’s why it’s so important to review your Oklahoma auto insurance policy before peak deer season. Fully understanding your coverage can make the difference between surprises and having peace of mind. If you’re unsure what your policy covers, take a few minutes to call your OKFB Insurance agent—they’ll walk you through your options and make sure you’re prepared for the unexpected
We’re Here to Help
Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your home, auto, farm and ranch, and life insurance needs.
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