Is hitting a deer covered by comprehensive or collision coverage?
Vehicle damage from hitting a deer is covered by your auto policy’s comprehensive coverage. Comprehensive can cover damages to your car caused by events that are out of your control, like hitting a deer or other animal. For your comprehensive coverage to cover the accident, your car must come in contact with the animal. Here are a few common scenarios that can occur:
- You run into a deer or other animal on the road.
- An animal runs into your car.
- An animal burrows into your car (It sounds crazy, but raccoons can tear into seat cushions and rodents can chew wires under the hood.) Depending on the circumstances, coverage may apply.
Note: If you swerve to avoid hitting a deer or other animal and then hit another vehicle, collide with an object, or overturn your car, you’d need collision coverage to cover damage to your vehicle. If you have comprehensive, you likely also have collision, but check your policy to be sure.
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See a comparison of comprehensive vs. collision.
Are injuries from a deer accident covered?
Because comprehensive and collision only cover vehicle damage, claims for medical bills after hitting a deer would be covered by your medical payments coverage or your personal injury protection (PIP) coverage — if you have either. Regardless, be sure to give your health insurance information to your health care providers. The injury-related coverage your auto insurance provides could pale in comparison to your total medical bills, and health insurance can help cover the difference.
How does hitting a deer affect insurance?
It depends on the state you live in and your insurer whether hitting a deer will affect your insurance premium. In some states, your rate won’t increase if you hit a deer because you’re typically not considered at fault when you hit a wild animal.
How does insurance classify hitting a deer?
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Generally, car insurance companies might classify a deer accident under comprehensive coverage, which covers non-collision and animal-related damage to a vehicle. Depending on the insurance company, hitting a deer might be considered a not-at-fault accident, however that does not guarantee the driver’s premium will not increase.
To find out if your car insurance policy would cover damage to your vehicle if you hit a deer, review your insurance policy, and understand what coverages you have and what coverages you’d like to consider getting for peace of mind.
Every insurer sets car insurance rates differently. And every state has its own rules about car insurance — from minimum coverage requirements to potential discounts. Find out about your car insurance in your state.
What to do if you hit a deer
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