According the the Highway Loss Data Institute, the number of insurance claims because of animal-vehicle collisions peaks in November. Take steps to keep yourself clear of deer on the roads. Stay alert and use high beams when there isn’t oncoming traffic. If you spot a deer, slow down or stop until it has crossed. Deer often travel in herds so be sure there are no others before resuming travel. Deer are most active around dawn and dusk. If you spot a deer or a collision is imminent, don’t swerve to avoid the deer. Instead, brake as much as is safe to reduce your speed while staying in your lane. If you hit a deer, call 9-1-1 immediately. Never approach a wounded animal. Finally, make sure your insurance will protect you in case of an accident. Comprehensive insurance covers animal collisions.