SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/cars-deer-comprehensive

You hit a deer. Which part of a car insurance policy usually pays to fix your car?

Comprehensive coverage, the optional part for damage that isn't a collision with a car or object.

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  1. Liability coverage
  2. Collision coverage
  3. Comprehensive coverage ✔

Why: It surprises people, but animal hits fall under comprehensive, not collision. The NAIC says with only collision or liability coverage, damage from hitting an animal is not covered.

Huh, didn't know that: Comprehensive is optional, so check whether your policy has it before you need it.

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References

Answer: Comprehensive coverage. It surprises people, but animal hits fall under comprehensive, not collision. The NAIC says with only collision or liability coverage, damage from hitting an animal is not covered.

  1. Oh, Deer! Rutting Season Increases Collision Frequency (NAIC) content.naic.org/article/consumer-insight-oh-deer-rutting-season-increases-collision-frequency
    Damage to a vehicle from a collision with an animal is covered under an auto policy's optional comprehensive coverage.
    Checked 2026-10-11.

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