1. 2210 POINTS
    Brenda Hanson
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    This can be covered if you have comprehensive coverage. You will have a deductible. Many think that the higher deductible is the better option how ever. This may not be the case. Comprehensive coverage is for deer tree vandals glass and ect basically anything other then a crash that you caused. Having a Higher deductible of $1000 may   lower your monthly payments by as much as 10.00 a month but then you have to pay for the 1st 1000 worth of damage and not many have that much laying around to be able to pay but if you had a 100 deductible and paid a little more each month then you would only be paying 100 out of pocket before your insurance company paid anything.

    There also is one carrier that is out there in Montana that you can have what is called deer coverage. it cost 2.50 a month and they pay up to 1000 worth of deer damage with no deductible.. I am not sure if this is offered in any other state but can be well worth the 2.50 a month
    Answered on October 8, 2013
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