It's November, which means the last of the fall foliage for
most of the country, and the start of the winter holidays. This
month also signals the beginning of deer-mating season and
a related increase in accidents involving cars and animals. In
fact, the number of animal-collision insurance claims is nearly
3 times higher in November than in other months.

Since the average cost of a deer/car run-in totals more than
$3,000, here are a few dos and don'ts for avoiding costly
accidents.

• Do watch for deer crossing signs and remember that deer
  are most active between dusk and dawn — particularly
  between 6 and 9 p.m.
• Do buckle up. It's been estimated that in fatal animal
  crashes, 60% of people killed weren't wearing seatbelts.
• Don't count on deer whistles. There's no conclusive
  evidence they work; instead they can provide a false sense
  of security.
• Don't swerve or slam on the brakes since you could lose
  control of the vehicle. Brake firmly and steer straight.

And of course, wherever you are and whatever the time of day,
drive safely and always pay attention to the road.

Although many people
think a deer accident is
covered under their
collision insurance, it's
actually a part of their
comprehensive coverage.

Make sure — especially if
you live in an area densely
populated with deer —

that your comprehensive
coverage is up to par and
can cover the numerous
potential expenses
involved with a collision.

Accidents can also take place in less-traveled areas where deer
are more likely to be. It's been estimated that more than 130,000
all-terrain vehicle (ATV) accidents take place each year, and some
of those involve deer.

If you're planning on off-roading this deer season, make sure you
have adequate insurance on your ATV. Esurance offers fully
customizable policies for 3-, 4-, 6-, and 8-wheelers. Get a fast
and easy quote and make sure you're covered on the road or off.