Welcome to fall in New England—the season of cozy sweaters, pumpkin-spiced everything, and deer launching themselves out of the woods like they’re auditioning for an action movie. If you’ve driven anywhere in Massachusetts recently, you already know: the deer are wild, the roads are busy, and your morning commute is basically a live-action nature documentary.
At Hannon Murphy Insurance, we love autumn… but we also know this is peak season for deer-related drama. We take the claims and we process them, so here’s your seasonal mix of humor, safety tips, and a dash of expert insight on auto insurance in Massachusetts.
Why Deer Go Full Chaos Mode in the Fall
Fall is deer mating season, which means they’re distracted, unpredictable, and sprinting across roads like they forgot to set their alarm. Combine that with shorter days and limited visibility, and you’ve got the perfect recipe for unexpected wildlife encounters.
What Happens If You Hit a Deer?
First: don’t panic.
Second: don’t attempt to lecture the deer—it won’t listen.
Third: here’s what you need to know:
Hitting a deer is covered under comprehensive coverage, not collision.
- Hit another car? Collision.
- Hit a mailbox? Collision.
- Hit a deer with zero road awareness? Comprehensive.
If you’re not sure whether you have comprehensive coverage on your policy, no worries—Hannon Murphy Insurance can help you figure it out before you end up with a very confused deer impression on your bumper.
How to Avoid a Deer-Induced Headache
While deer have a mind of their own, you can boost your chances of avoiding them:
- Drive slower at dawn and dusk. Deer love these hours.
- Use high beams when safe. Their glowing eyes will give them away.
- Scan the road edges carefully. If the bushes move… assume deer.
- Don’t swerve wildly. Swerving often makes things worse.
- Remember: deer come in groups. If you see one, expect backup.
Stay Safe Out There
New England is stunning this time of year, but the roads can be tricky. Make sure your Massachusetts auto insurance is ready for the season.
We’re Here for You.