[tmac1granger33]

Originally Posted by scrming

ok.. speaking from experience, since I live in mid-michigan and those darn hooved rats run rampant, NEVER EVER swerve in the least to avoid an animal. It is always better just to hold your line, apply your brakes as hard and safe as possible and then hit the animal... You swerve, and you leave the road way then you run the risk of a lot more serious damage and injury than if you just hit the deer. I know your first instinct is to swerve or move out of you lane, but you need to learn to fight that urge... My understanding is that once you leave the road way, the insurance rules change... If you stay on the road and hit the deer, it is a pretty simple comprehensive claim... basically you are not at fault, different deductible and usually doesn't affect your rates (I have had a number of these claims over the last few years and my rates never changed!) Swerve and go off the road and hit a tree... now it becomes a collision claim.. and the insurance company can say you were at fault, raise your rates, and you may have a different deductible for collision... This may be why you are having "issues"... At least that is how things have been explained to me...

And for the record... I once hit 4 deer at ONCE! One word that sums it up... GRUESOME...

I know this advice is after the fact and I'm not trying to rub it it.. but perhaps someone reading this may learn...

damn 4 deer? i cant imagine what that looked like after...