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I hit a deer with my motorcycle. Are Wisconsin deer-motorcycle accidents covered by insurance?

Wisconsin operates under the tort system. When you are injured in a motorcycle accident, someone must be determined to be at fault. The party who is at fault is liable for the accident and their insurance company pays for the damages.

What happens when you hit a deer with your motorcycle? You’re not at fault. You were following all the rules of the road. You certainly could not prevent the deer from jumping out of the woods and in front of your bike. But the deer isn’t at fault either. The deer was just doing what deer do—and deer don’t carry insurance.

You are left with a broken leg and a broken bike. Who pays?

Wisconsin requires that all motorcyclists have enough insurance to cover the following:

  • $25,000 for bodily injury or death to one person in a single accident
  • $50,000 for bodily injury or death to two or more persons in a single accident
  • $10,000 for property damage in a single accident

However, liability-only insurance coverage does not generally cover injuries to the rider or damages to his motorcycle. In order for your Wisconsin deer-motorcycle accident damages to be covered, you must have comprehensive insurance coverage as part of your motorcycle insurance policy. If you swerve and miss the deer, the accident may be covered under your collision coverage.

It can help to have a Wausau motorcycle accident attorney take a look at your insurance coverage. There may be compensation that you aren’t aware of. To schedule a free consultation, contact Hupy and Abraham at 800-800-5678.

For more information about Wisconsin motorcycle accident claims and riders’ rights, request a free copy of The Ultimate Guide for Motorcycle Accident Victims.


Jason F. Abraham
Managing Partner, Hupy and Abraham