Watch Out for Wildlife When Driving
Collisions involving wildlife are more common than you might think, with roughly 14,000 in Ontario annually.
The Traffic Injury Research Foundation (TIRF) finds that the costs of wildlife-vehicle collisions add up to about $200 million annually in Canada. And nearly 500 people were killed in wildlife-vehicle collisions between 2000 and 2014 — with almost 75% of those deaths occurring in summer and fall. It’s also important to know what being involved in a collision with an animal could mean for your auto insurance premium.
Comprehensive and Collision Coverage
There are two different types of insurance that will cover your vehicle if you hit an animal: comprehensive or collision coverage.
Comprehensive coverage protects your vehicle against damage related to weather (rain, hail, flooding, wind), falling objects, theft or vandalism, explosions, or hitting a live animal. These are considered to be not at-fault accidents and shouldn’t affect your insurance premium. Comprehensive coverage is mandatory if you lease or finance a vehicle, but not if you own it outright.
Collision coverage protects your vehicle when you hit another car or an object (such as a lamp post, an underground parking column, or a dead animal). In these cases, they’re considered to be at-fault accidents and could lead to an increase in rates. Like comprehensive coverage, collision coverage is optional unless the vehicle is being leased or financed.
Preventing Collisions with Wildlife
While it’s difficult to predict when and where a wild animal will jump out in front of your vehicle or be on the road when you least expect it, there are some things you can do to prevent a collision.
Stay alert for wildlife as the most likely dangerous collisions occur an hour before and after both dusk and dawn, in October and November, and on a two-lane highway when driving 80 kilometres per hour or more.
You should look for wildlife warning signs, drivers that slow down suddenly because they may have seen an animal, and movement along the road while driving. Ensure that you don’t drive when you’re tired and drive slowly in wildlife areas whenever possible to give you extra time to respond if an animal appears.
Once you see an animal, there might be more since they typically travel in groups. And they’re more likely to be attempting to cross at the end of a fence although they may also jump over fences.
Animals on the Road
Unfortunately, you may come across wildlife on the road while driving. In that case, you should try not to panic. You should also honk and flash your lights when it’s safe, but keep in mind that animals may not respond to either.
When an accident is unavoidable, TIRF recommends the following:
Don’t swerve and keep control of your vehicle; if it’s an elk or moose, try to graze or hit the animal at an angle
Keep your eyes on the road and not on the animal
Take your foot off the gas pedal and ease on the brakes while holding onto the steering wheel firmly
Hit the brakes after striking the animal to stop the vehicle
Duck below the windshield level and towards the door if you’re about to hit a moose as it may crash through the windshield or crush the roof
Vehicle collisions involving moose are the deadliest. An American College of Surgeons study found that people are 13 times more likely to die when a vehicle collides with a moose compared to a deer.
If an Accident Occurs
In the event you do hit an animal, make sure that you pull to the side of the road where it’s safe and turn on your hazard lights. Don’t approach or touch the animal as an injured animal can be aggressive and unpredictable. And direct your headlights towards the animal if it’s in the middle of the road to alert other drivers.
If your vehicle is damaged or you or one of the occupants is injured, call 911 or contact the Ottawa Police Service as well as your insurance company.
There are many hazards on the road, including wildlife. Being alert and prepared for a potential encounter with wild animals can help save your life, help any drivers around you, and help keep your auto insurance premium low.
Source: Craig Sebastiano for insurancehotline.com