What Auto Insurance Covers Hitting A Deer?
- 14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482The portion of an auto policy that covers damage caused by hitting a deer is the "Comprehensive" portion of the physical damage coverage. Physical damage coverage for your car is divided into two portions: Collision and Comprehensive. Collision is the more narrowly defined of the two and provides coverage if your car is damaged as a result of hitting another car, a stationary object or a human. Comprehensive covers everything else, for example, a deer strike, vandalism, somethig falling on it while parked, etc.Answered on December 30, 2013flag this answer
- 7647 POINTSview profileMark Bartlett CLCSBranch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance CarriersHitting a deer is covered under the comprehensive portion of your auto policy. Although hitting a deer is a collision, animals are excluded from collision coverage and placed under comprehensive coverage since you the driver have no control over the movement of an animal. This has advantages since this type of accident can not be considered an at fault accident.Answered on December 30, 2013flag this answer
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