Insurance Policy

Wisconsin operates under the tort system. When you are injured in a motorcycle accident, someone must be determined to be at fault. The party 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.

Your Insurance May Pay After a Deer Accident

Wisconsin requires all motorcyclists to 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

If you swerve and miss the deer, the accident may be covered under your collision coverage. 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 purchased optional coverage before the crash. For example, comprehensive insurance may cover your property damage and personal injury protection could cover your medical expenses.

Protect Your Claim After a Wisconsin Deer Crash

You pay premiums to your insurance company, but your insurer still wants to pay you as little as possible for your motorcycle accident recovery. Insurance settlements after motorcycle deer accidents can be complex.

Our experienced motorcycle accident attorneys are also riders. We know how dangerous deer can be and how much you may be suffering. We would be happy to review your insurance coverage to determine whether you have a claim worth pursuing. Please contact our Wisconsin motorcycle accident lawyers today for a free, no-obligation consultation at our Milwaukee, Appleton, Green Bay, Madison, or Wausau law office, in your home or hospital room, or by phone or video conference.

We also invite you to download a free copy of our book, The Ultimate Guide for Motorcycle Accident Victims, to learn more about your rights.


Jason F. Abraham
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Helping car accident and personal injury victims throughout Wisconsin, Illinois and Iowa since 1993.