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Battles Insurance Agency Blog

View the latest blog posts from Battles Insurance Agency.

THURSDAY, NOVEMBER 9, 2023

Deer in the Headlights: 5 Tips to Avoid a Collision

Deer crossing road.

 

Over the past several years, there has been much debate about the benefits and drawbacks of daylight savings time. One argument against turning clocks back is it reduces injuries from cars hitting deer.

 

Education on potential deer dangers empowers you to become a safer driver—whether driving at daybreak or in the darkening hours of dusk. Read on to learn how you can avoid becoming a deer collision statistic.

 

The Data on Deer Damage

“Central has seen 5,000 deer-related losses since 2019.”

—Tali Helton, Personal Lines Insurance Product Manager at Central Insurance

 

On average, the U.S. experiences around 2.1 million deer-vehicle collisions each year. These incidents are responsible for over $10 billion in economic losses as well as 59,000 human injuries and 440 human deaths.

 

Cars hitting deer constitute the largest collision category involving human and vehicle costs. The average costs of a deer-related collision are staggering:

 

  • $1,840 in vehicle repair costs
  • $2,702 in medical costs
  • $125 in towing and law enforcement services
  • $50 for carcass removal and disposal

Costs increase substantially if a car collides with a larger animal, such as an elk or moose.

 

When Time is Not On Your Side  

The occurrence of cars hitting deer is 14 times greater during the two hours following sunset. While humans adjust their schedules according to the time change, animals do not.

 

Moving our clocks back in November increases road traffic volume during low-light hours, creating a greater likelihood of cars hitting deer. White-tailed deer mating and migration season, which coincides with this time, poses additional risks. Deer are exceptionally active and prevalent during this period, creating further collision potential.

 

One study reported a 16% increase in deer-related vehicle collisions when clocks transitioned to standard time in the fall. While this increase may not seem substantial, it would reduce nearly 36,000 collisions, 2,000 human injuries, and 33 human deaths. Additionally, it could save almost $1.2 billion in collision costs related to cars hitting deer.

 

How to Avoid Hitting a Deer

The highest frequency of cars hitting deer occurs in the early morning (5 a.m. to 9 a.m.) and the evening (4 p.m. to midnight) when deer are most active. However, most of us can’t limit our driving to exclude these timeframes. Fortunately, you can take some simple steps to reduce your risk.

 

1. Stay vigilant while driving near fields or wooded areas.

Although you can find deer almost anywhere, exercise extra caution when driving through heavily wooded areas. Look for the reflection of their eyes in your headlights on the side of the road.

 

2. Utilize your high beams whenever possible.

High beams can help illuminate deer more effectively and make spotting the reflection in their eyes easier. Be aware that a deer crossing your path may freeze in your headlights. Quickly turn them off and honk your horn to scare the deer away from the road if it’s safe.

 

3. Watch for deer crossing signs.

When you see a deer crossing sign, pay extra attention to your surroundings. These signs are placed in areas known to have a high deer population.

 

4. Avoid swerving.

If a deer enters the roadway, apply the brakes and refrain from swerving. Deer typically move out of the way. Swerving may put you back in the deer’s path, and sharp, sudden turns increase the risk of losing control of the vehicle and colliding with another car, tree, or ditch.

 

5. Be on the lookout for more deer.

If you spot one deer, there are likely others nearby. If a deer jumps in front of your vehicle, be prepared for the possibility that more deer may follow closely behind.

 

What to Do If You Hit a Deer

Even with the best preparation, accidents happen. Take the steps below to ensure your safety and the safety of other drivers on the road.

 

  1. If you do hit a deer, move off the road where it’s safe to do so.
  2. Call in the collision and follow any specific state rules or guidelines. Reporting the incident to the proper authorities ensures they can take appropriate measures to maintain road safety for other drivers.
  3. Assess your car for damage. The majority of deer-related collisions are estimated to cause vehicle damage. It’s critical to evaluate your car for damage before returning to the road.

 

Curious about Your Comprehensive Coverage?

Comprehensive coverage, rather than collision coverage, covers deer-related collisions because these incidents are considered beyond the driver’s control. Check your policy to ensure you have sufficient comprehensive coverage in place, or learn more about Central’s personal auto coverage options here.

 

 

Source: Car Hitting Deer: How to Avoid a Collision on the Road (central-insurance.com)

Copyright © 2023 Central Mutual Insurance Company. All rights reserved.

Posted 5:53 PM  View Comments


THURSDAY, FEBRUARY 18, 2021

ATTENTION! Special Enrollment Period for Health Insurance!

logo, icon

ATTENTION! Special Enrollment Period for Health Insurance!

 

Due to the ongoing Covid-19 Public Health Emergency President Biden and the U.S. Department of Health & Human Services have ordered the healthcare marketplace for individual and family healthcare plans has been reopened beginning February 15th through May 15th, 2021.

 

This means if you or your family need health insurance you will not be required to have a qualifying event to get health insurance during this special enrollment period. 

 

Contact Joe Thomas in our office so he can get started on your quote today!

Posted 4:48 PM  View Comments


THURSDAY, NOVEMBER 5, 2020

Open Enrollment

Battles Insurance Agency is excited to announce the availability of Medicare Assistance through our agency with the addition of Connor Tharp to our team! Connor is ready to help you understand and enroll in Medicare Supplements, Advantage Plans, and Drug Plans. He offers personalized service to help you navigate the maze of plans available and to find the one best suited to your needs.

The Annual Election Period (AEP) for Medicare began October 15th and ends December 7th. Don’t wait to schedule your appointment!

 

Who does AEP affect and who can make appointments?

 

  • Anyone enrolled in a Medicare Advantage (Part C) or Prescription Drug Plan (Part D) are able to switch their plans during AEP for 2021
  • Medicare Supplement Plans are NOT included in AEP but Connor is always happy to review your plan.

 

Why is it important to review my plan every year?

 

  • Plans are not Guaranteed to stay the same every year. There are changes in premium, drug formularies, deductibles, copays, extra benefits, etc. Connor will research and find the best plan based on your personal medications, doctors, and medical needs.

 

When can I make an appointment?

 

  • Right now! Only a month remains before the window for enrollment ends and the sooner you contact Connor to better.

 

Please contact our agency to arrange an appointment at 419-668-4402.

 

Open Enrollment Image

Posted 5:19 PM  View Comments


FRIDAY, APRIL 24, 2020

Insurance Companies Response To COVID-19

In recent weeks we’ve had many calls from concerned clients about their policies, their premiums, and what the insurance companies are doing to help during this crisis. Every company we work with has responded differently to the ongoing concerns and additional measures may be taken at a later date.

 

Cincinnati Insurance has put in place an automatic 15% decrease in premiums for the months of April and May for all personal auto policies. You don’t have to do anything to get this 15% as the credit will be automatically applied to your balance due or a check issued in June if premiums are paid in full.

 

State Auto Insurance will be giving a one-time 5% discount applied to the next policy term for all personal auto policies in effect with them as of June 1, 2020. They are also encouraging those who qualify to enroll in their “Safety 360” program which could save insureds up to an additional 50%.

 

Progressive Insurance is offering 20% off personal auto premiums for the months of April & May. If your policy is in force by April 30, 2020 the discount will be applied in May. If your policy is in force as of May 31, 2020 it will be applied in June.

 

Hastings Mutual Insurance - UPDATE! As of 4/27/2020 Hastings Mutual has announced they will be giving all of their personal auto customers a 15% discount on their policies for the months of March and April. This discount will be applied to any premium remaining due on the policy or a check will be sent out some time in May.

 

Central Mutual Insurance has also not announced any discounts at this time. They have also suspended cancellation of policies due to non-payment of premiums for 60 days and no late fees will be charged during that time.

 

Again, these measures are just what we know today. If you have questions, please don’t hesitate to contact us via phone or email as we are happy to help. Please check back for updates. 

Posted 7:05 PM  View Comments


MONDAY, MARCH 23, 2020

COVID-19 UPDATE

Battles Insurance is open for business, the best way to reach us by phone is 419-668-4402 and by email using the first name and last name initial of your contact.  For example: for Perry Dryden it’s perryd@battlesinsurance.com.  All employees are working either at the office or from home and are available on their cell phones.

 

Our agency is exercising many precautions while we remain open.  The following requirements and precautions will be taken in our physical agency location:

 

• Our rear entrance is locked but the front door is open for interaction that will help ensure employees and customers are six feet from each other.

• 8:30 a.m.to 9:30 a.m. office visits will be for 65 and over or those with health issues only.

• We will have hand sanitizer available for our employees and customers.

 

Posted 2:38 PM  View Comments


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