Does Auto Insurance Cover Hitting Deer?

  1. 245 POINTS
    Tom Sorrels
    As long as you have physical damage coverage on you vehicle, the damages caused by hitting a deer should be covered (subject to your deductible.)

    It is normally filed under the Comprehensive (or Other Than Collision) coverage.

    Although you collided with a deer (or any other wild animal like pigs or hogs) it should NOT becharged against your insurance premiums.
    Answered on April 4, 2013
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The damage your car sustains as a result of a collision with any animal is covered by your comprehensive coverage section of your policy. It is a part of the physical damage section. The loss will be adjusted based upon the cost to repair your vehicle. The adjusted claim will be reduced by the amount of your deductible. As a matter of convenience the insurance company will normally pay the repair shop for everything except the deductible. The repair shop will collect the deductible at the time that the car is returned to you.
    Answered on June 1, 2015
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