Autumn in Georgia brings crisp mornings, colorful leaves, and — you guessed it — more deer on the roads. Each year, as deer mating season begins, the chances of a deer-related car accident increase dramatically across Floyd County and the surrounding areas.
At Talley Insurance Services, we want to make sure drivers in Rome, GA know how to stay safe and what your auto insurance covers if the unexpected happens.
🦌 Why Deer Collisions Spike in the Fall
From late October through December, deer are on the move. Cooler temperatures and mating season (known as “the rut”) cause deer to travel more frequently and cross roadways — especially during the early morning and evening hours.
According to insurance statistics, Georgia consistently ranks among the top states for deer-related accidents, with most occurring:
Between 6 p.m. and 9 p.m.
On rural or wooded roads
During October, November, and December
🚗 How to Avoid a Deer Collision
While there’s no guaranteed way to prevent a deer from crossing your path, these safety tips can help lower your risk:
Stay alert during dawn and dusk. Deer are most active when visibility is low.
Use your high beams wisely. When no oncoming traffic is present, high beams can help you spot reflective eyes near the shoulder.
Heed deer crossing signs. They’re placed in areas with frequent sightings or past accidents.
Don’t swerve suddenly. Swerving can lead to worse accidents. Instead, brake firmly and stay in your lane.
Expect more than one deer. They often travel in groups, so where there’s one, there are likely more nearby.
💡 Does Auto Insurance Cover Hitting a Deer?
If you hit a deer, the damage is usually covered under your comprehensive coverage — not collision coverage. Comprehensive insurance helps pay for damage caused by animals, weather, fire, theft, and other non-collision incidents.
If your current auto insurance in Rome, GA doesn’t include comprehensive coverage, now’s the time to review your policy. It’s a small addition that can save you thousands in repair costs.
What to Do If You Hit a Deer
Pull over safely and turn on your hazard lights.
Do not approach the animal. Injured deer can react unpredictably.
Call law enforcement or local animal control. They’ll document the accident and clear the road if necessary.
Take photos of the scene and vehicle damage.
Contact your insurance agent. We’ll guide you through your claim and help you get back on the road.
🍂 Stay Protected This Fall
Deer collisions can happen in an instant — even to the most cautious drivers. Before you hit the road this fall, make sure your auto insurance policy includes the coverage you need for peace of mind.
Call Talley Insurance Services at (706)-291-4207 or stop by our office at 901 N Broad St, Suite 150, Rome, GA 30161.
We’ll help you stay protected — no matter what crosses your path.