Colliding with a deer on Hwy 6 near Oxford is something that many Mississippi drivers face. While hitting a deer may not seem like a typical car accident, it can significantly affect your car accident claim value. This type of collision involves unique factors that you may not be familiar with. The severity of the accident, the damages to your vehicle, and the injuries sustained can all influence how much compensation you receive. It’s crucial to understand how these factors play a role in your Mississippi car accident claim after hitting a deer on this busy highway.
Brad Morris
Attorney
Understanding Mississippi’s Comparative Negligence Rule 
Mississippi uses a comparative negligence rule, which is an important factor to consider when determining the value of your claim. Under this rule, if you are partially at fault for the accident, your compensation may be reduced in proportion to your percentage of fault. This applies to all types of accidents, including deer collisions. For instance, if the collision occurred because the deer unexpectedly crossed your path, and you had no way to avoid it, your claim value will likely be higher. However, if you were speeding or distracted and this contributed to the accident, the value of your claim may be lowered due to your share of fault.
It’s important to understand how comparative negligence works, as it ensures that the compensation you receive is in line with your responsibility for the accident. If you are assigned partial fault, your settlement will be adjusted accordingly.
How Insurance Coverage Impacts Your Claim
The type of insurance coverage you carry is another crucial factor that affects the value of your claim. After hitting a deer on Hwy 6, your comprehensive insurance coverage is typically what will apply. Comprehensive coverage helps pay for damages caused by incidents such as animal collisions, including deer. This is a vital coverage to have, as it ensures that the costs of repairs or replacement of your vehicle are covered in the event of an animal-related accident.
However, many drivers do not have comprehensive coverage. If you do not have this coverage, your collision insurance may come into play, but it depends on the circumstances of the crash. Without comprehensive or collision coverage, you may end up paying for the repairs yourself. It is essential to review your insurance policy to ensure you are adequately covered for situations like a deer collision.
The Severity of Vehicle Damage and Its Effect on Your Claim
The extent of the damage to your vehicle is one of the main factors in determining the value of your claim. A deer collision can cause a range of damage, from minor dents and scratches to severe structural damage that may leave your vehicle undriveable. If the damage is minimal, the insurance company will likely offer a lower settlement to cover the repair costs. However, if the damage is severe, such as damage to the vehicle’s frame or engine, the value of your claim will likely be higher.
If the vehicle is totaled, meaning it cannot be repaired, your insurance company will assess the vehicle’s fair market value before the accident occurred. Factors such as the make, model, age, and condition of the vehicle will play a role in determining this value. This assessment will significantly affect how much compensation you will receive.
Injuries Sustained in the Accident and Their Impact on Your Claim
Injuries sustained during a deer collision can greatly affect your claim value. Depending on the severity of the crash, injuries can range from minor whiplash to more serious injuries like broken bones, concussions, or even spinal cord injuries. The more severe the injury, the higher the potential compensation, especially if the injury requires long-term medical treatment or rehabilitation.
Mississippi law allows accident victims to include medical expenses, lost wages, and other costs related to their injuries in their claims. In cases of severe injuries, pain and suffering can also be factored into the total compensation. This is why it is essential to seek medical attention immediately, even if you feel fine after the accident. Injuries such as whiplash or internal damage may not present symptoms right away, but having medical documentation will be crucial for supporting your claim.
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How Long Does It Take to Resolve a Deer Collision Claim?
The timeline for settling a car accident claim involving a deer collision can vary depending on several factors. In general, claims involving animal collisions may take longer to resolve, as the insurance company must evaluate the damages and injuries before making an offer. This process can be further delayed if injuries are involved, as medical records and treatment plans will need to be reviewed.
The more complex the case, the longer it may take to reach a settlement. If liability is disputed or if fault is shared, this could prolong the claim process. In Mississippi, it is important to file your claim as soon as possible and to follow up regularly to ensure everything is progressing. An experienced personal injury attorney can help expedite the process and ensure that the insurance company addresses your claim fairly.
What You Should Do After Hitting a Deer on Hwy 6 Near Oxford
Dealing with a deer collision on Hwy 6 requires quick action. It’s essential to take the right steps immediately after the accident to protect your safety and ensure that your insurance claim goes smoothly.
First, check yourself and your passengers for injuries. If you or anyone is injured, seek medical attention immediately. Even if there are no apparent injuries, it’s still important to visit a healthcare provider for a thorough evaluation.
Second, move your vehicle to a safe area if possible. Turn on your hazard lights to alert other drivers. If you’re unable to move the car, stay inside and keep your seatbelt on until help arrives.
Third, document the scene of the accident. Take clear photographs of your vehicle’s damage, the deer (if it is still on the road), and any other relevant details. These photographs will be essential for filing your claim and supporting your case.
Next, contact the local authorities and report the accident. In Mississippi, it is required to report accidents involving significant damage or injury. The police will file a report, which will be useful when making your claim.
Finally, contact your insurance company to report the collision. Be sure to provide them with all necessary information, including the photos and police report, to ensure a smooth claims process.
How a Personal Injury Attorney Can Help with Your Claim
Dealing with a deer collision can be complicated, especially when dealing with insurance companies and determining the value of your claim. Having an experienced personal injury attorney by your side can make a significant difference. An attorney can guide you through the claims process, negotiate with insurance adjusters, and ensure that your rights are protected.
At Brad Morris Law Firm, we specialize in helping Mississippi residents navigate car accident claims, including those involving deer collisions. We offer free consultations to evaluate your case and help you understand the steps you need to take to ensure a fair settlement.
If you have been involved in a deer collision on Hwy 6 near Oxford or anywhere else in Mississippi, contact Brad Morris Law Firm today for experience legal advice. We are committed to helping you get the compensation you deserve.
