Hit a deer what next?

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  • Jul 6th, 2021 9:09 am
Deal Addict
Sep 6, 2017
4554 posts

Hit a deer what next?

2012 X3 hit a deer on the highway, air bag deployed. My guess the car is totalled? How to negotiate a higher payout? Or have insurance find a similar replacement?
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30 replies
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Feb 8, 2014
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The insurance company/body shop will have to determine the damages and repair cost.
They then decide if its a write off or repairable.

That does not look terrible but of course i have no idea whats lurking under the hood.
In fact in Rand McNally they wear hats on their feet and hamburgers eat people
Jr. Member
May 15, 2019
194 posts
cristianosham wrote: 2012 X3 hit a deer on the highway, air bag deployed. My guess the car is totalled? How to negotiate a higher payout? Or have insurance find a similar replacement?
Sorry to hear and see this. What happened to the deer?
Jun 4, 2020
1634 posts
Clarington, ON
JacobV91325 wrote: Sorry to hear and see this. What happened to the deer?

@cristianosham ...first, hope you and occupants are ok.

My mom did one of these several years ago...before airbags....

Aigbag deployed is an expensive payout. Would suspect on 10ish year old whip your inclination is correct.
Deal Expert
Jan 15, 2006
20520 posts
Richmond Hill
Yikes that sucks. Hope everyone is ok, but yes being a 2012 it will be written off. Start researching how much people are asking for the same year make/model across all platforms. Get an instant quote on

Just remember, what people are asking for and how much it actually sells for are two different things.
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Nov 5, 2006
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the deer hit you ;)
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Oct 1, 2015
3007 posts
Barrie, ON
Oldman crushed a big deer in his 2012 X5. No bags deployed, still written off. The rad support was considered structural and that's all it took.

Last edited by mxthor3 on Jul 5th, 2021 6:22 am, edited 1 time in total.
Deal Guru
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Jul 12, 2003
12371 posts
9 years old BMW with Airbag deployed, Front bumper, headlight, hood needs to be replaced. Not if if anything else the photo didn't show, but most likely it is a total loss.

OP, check kijiji or autotrader to find a car with the same yr, same trim and similar mileage and take it as a reference of how much the claim "should" be.
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Jun 24, 2006
13926 posts
So...... You did keep the deer, right?
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Oct 21, 2006
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op I would go on and look for similar vehicles as yours in terms of make/model/mileage/packages in order to get a ball park at what your vehicle is worth on the market. This way when insurance present their first offer, you will know if it's a fair offer. Sorry to hear about your loss, I hope everyone is okay, I have been in a similar situation myself re: roadside deer, it can be a shocker.
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Nov 30, 2005
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I'm also interested to know what happened to the deer.
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Sep 22, 2005
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Sorry to hear about the "accident". Hope everyone in the car is okay. It's not fun to have this happened to you.

I to hit a small deer a few months ago and managed to drive home (OPP gave the okay) with damages to the left corner and no airbags deployed but it was still a write off for a 2008 Avalon with 122K in excellent condition inside and out. They cited an older car with hard to find replacements and cost could increase a lot more than the initial repair quote. I wanted to have that car repaired but no luck.

Look for similar vehicles of the same year - my Co-operators insurance does not have calculations for different years (+/- 1-2 years) but similar mileage because my mileage was low so they used 1.2c/1000km difference compared to cars with twice the mileage!

I had to use Kelly Blue Book to get a higher value than what they and I could find on Auto Trader and various sites. In the end I got an additional $1500+tx from the initial amount that they offered through continued negotiations with proof. The initial amount they offer is in no way a take it or leave it number, you can continue to negotiate. Good luck.

Check out this thread
Deal Addict
Nov 12, 2004
2610 posts
Most likely a write off in the best of times. Which currently it is not for parts for any type of vehicle. Apparently in the States they are writing off newer vehicles that are worth 50K with very little damage compared to the value because they can't get parts used or new and the suppliers are claiming it will be a least 6 months in some cases...

Definitely search Facebook Market Place, Kijiji, Auto trader for any similar vehicles in your area and PRINT out the ad when you find one. Just keeping a bookmark might not help you in a week or two if the ad is removed because the OP sold it or lost interest in dealing the crazies such ads always bring out of the woodwork.

Lastly it will probably not help but if you have spent a lot of money for any accessories or maintenance in the last 6 months or so ask if you can keep them or at least show them the receipts if you have them to get something out of them. Most insurers will tell you to pound salt for such items. It does not hurt to ask though.
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Nov 12, 2004
2610 posts
ZxExN wrote: I'm also interested to know what happened to the deer.
I am thinking lots of ground venison with 20% bacon minced in for burgers. Maybe if lucky a couple of roasts and a few steaks from the side that did not get hit, then pepperettes out of everything left... Sadly blunt force trauma venison is not the best for eating if all bruised especially if it ran for a bit and did not die quickly.
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Sep 22, 2005
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I also had $500 added to the payment for fairly new tires in the last write off for the previous Pilot. I did not have to provide receipt because you can tell that the tires are new. When the adjustors are not visiting the collision center to assess the damage during Covid, they want to rely on you to provide the proofs.

I traded the good 1-y-o battery in the damaged vehicle for a 14-y-o battery in running condition that I kept as a back up. Take out any aftermarket add-ons that you can remove but the vehicle needs to be in working condition (can't take something out that renders that function useless).

If it's a write off then most likely it will end up in auctions. They offered me the car for $2500 because it would not be titled salvage but it would have taken me lots of time to repair so I didn't take the option.
Last edited by gumby on Jul 5th, 2021 10:50 am, edited 1 time in total.
Nov 21, 2017
92 posts
As soon as the air bags deploy, the car is written off. Plus the age of the car, and damage sustained, it will be a no brainer. I hit a deer last winter (it shat all over my windshield for added fun) and insurance gave me the run around for a while. Initially, they told me they could repair it (as per the body shop I chose). A week went by, with me under the impression the car is being repaired. After a week I called the body shop for an update and they informed me insurance told them to write it off and crush it. I used this as leverage when I called insurance to negotiate a higher payout, (wasn't expecting to purchase a new car, need time to shop around, etc) as well as extended rental coverage. They were only going to offer me two days of rental coverage which is absurd.

Also I know it's long gone now, but did the deer manage to get off the road? You're supposed to report it to the police if you hit an animal and it stays on the road.

Good luck with your car!


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