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Warning: Deer Crossing Ahead

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With Oct. 1 just days away, it’s that time of the year, when deer, elk and moose become more active in the United States, increasing the risk of collisions. In fact, the risk of hitting one of these large animals doubles during the months of October, November anddeer-crossing December, according to State Farm.

This is no small matter, as these accidents can cause significant injury and damage. In fact, the average cost per claim nationally for 2015-2016 was ,995.

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08, down slightly from $4,135 in 2014-2015. In its annual ranking, State Farm identifies the state where a driver is most likely to have a claim from a deer, elk or moose collision as West Virginia, where the odds are 1 in 41.

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The state where such a collision is least likely (excluding Hawaii) is Arizona, where odds of getting into such an accident are 1 in 1,175.

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“We know there is an increased risk of collision with deer around dawn and dusk, and also during the October-December breeding season,” Chris Mullen, director of technology research at State Farm said in a statement. “However, drivers should be engaged, alert and on the lookout at all times, because you never know when you may need to react to a deer or any other obstacle that may suddenly be in your path.”

In its 2015-2016 study, State Farm found that the top five states where a driver is most likely to have a claim from a collision with a deer, elk or moose are:
deer-collision-ranking

Safety tips for drivers:

  • Slow down, particularly at dusk and dawn
  • If you see one deer, be prepared for more to cross the road
  • Pay attention to deer crossing signs
  • Always buckle up, every trip, every time
  • Use your high-beams to see farther, except when there is oncoming traffic
  • Brake if you can, but avoid swerving, which could result in a more severe crash
  • Remain focused on the road, scanning for hazards, including animals
  • Avoid distractions, like devices or eating, which could cause you to miss seeing an animal
  • Do not rely on products such as deer whistles, which are not proven effective
  • If riding a motorcycle, always wear protective gear and stay focused on the road ahead.

Driverless Cars Not a Concern, Allstate Says

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Driverless car

Driverless cars are becoming more of a reality, with testing in full swing by Google and others, and software upgrades underway for existing models of Tesla cars. One industry that will be impacted by larger number of safe vehicles on the road is the auto insurance industry. One insurer, Allstate, is carefully following the progress being made, but emphasized safety over possible diminishing profits. In its annual report for 2015, Allstate wrote:

Consider what is happening with autonomous cars. Today, only modest levels of driver-assistance technology are available, and only on a limited set of vehicles. However, the technology for fully autonomous cars is advancing rapidly and the legal and regulatory framework will follow. At some point, the fleet of a quarter-billion vehicles could be smaller and will include technologically sophisticated vehicles that are safer, more effective and efficient. Fewer, safer cars would benefit consumers and the environment, but could affect demand for auto insurance.

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The financial squeeze that autonomous cars could put on the insurance industry has been expected for years, The Chicago Tribune noted. In 2012, financial technology consulting firm Celent published “A Scenario: The End of Auto Insurance: What Happens When There Are (Almost) No Accidents?

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While Allstate states that demand for auto insurance could diminish, it points out that this is not a concern. “Some industry participants are waiting to see how this will play out. Allstate is not,” the insurer said, adding:

We are moving forward into uncertainty rather than wait. Throughout our history, Allstate has led from the front on auto safety—for example, as an early proponent of seat belts and air bags. We support the introduction of new driver-assistance technology that makes driving safer, because this is about saving lives and protecting the hopes and dreams of those who depend on us. We are confident Allstate will thrive in whatever new world emerges because of a differentiated strategy, strong brands, passionate agency partners and committed employees. Preparations for a new and different future are well under way.

Lance J. Ewing, hospitality and leisure industry practice group leader with AIG, previously told Risk Management magazine, “With more than five million vehicle accidents in the U.S. resulting in over 30,000 deaths, any enhancement is welcome, but there may be collateral results from the driverless highways.”