{"id":167352,"date":"2023-12-12T12:56:38","date_gmt":"2023-12-12T12:56:38","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/"},"modified":"2023-12-12T12:56:38","modified_gmt":"2023-12-12T12:56:38","slug":"is-hitting-a-deer-covered-by-insurance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/","title":{"rendered":"Is hitting a deer covered by insurance?"},"content":{"rendered":"<p>**Yes, hitting a deer is typically covered by insurance if you have comprehensive coverage on your policy.**<\/p>\n<p>When you collide with a deer or any other animal while driving, the damage to your vehicle is usually covered under the comprehensive portion of your auto insurance policy. This coverage helps pay for repairs or replacement of your vehicle after a non-collision event, such as hitting an animal.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#Related_FAQs\" title=\" Related FAQs:\"> Related FAQs:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#1_What_is_comprehensive_coverage\" title=\"1. What is comprehensive coverage?\">1. What is comprehensive coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#2_Do_I_need_comprehensive_coverage_to_file_a_claim_for_hitting_a_deer\" title=\"2. Do I need comprehensive coverage to file a claim for hitting a deer?\">2. Do I need comprehensive coverage to file a claim for hitting a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#3_Will_hitting_a_deer_affect_my_insurance_rates\" title=\"3. Will hitting a deer affect my insurance rates?\">3. Will hitting a deer affect my insurance rates?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#4_What_kind_of_damage_can_hitting_a_deer_cause_to_my_vehicle\" title=\"4. What kind of damage can hitting a deer cause to my vehicle?\">4. What kind of damage can hitting a deer cause to my vehicle?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#5_What_should_I_do_if_I_hit_a_deer\" title=\"5. What should I do if I hit a deer?\">5. What should I do if I hit a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#6_Will_my_insurance_cover_injuries_if_I_hit_a_deer\" title=\"6. Will my insurance cover injuries if I hit a deer?\">6. Will my insurance cover injuries if I hit a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#7_Can_hitting_a_deer_cause_a_total_loss_of_my_vehicle\" title=\"7. Can hitting a deer cause a total loss of my vehicle?\">7. Can hitting a deer cause a total loss of my vehicle?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#8_Do_I_need_to_pay_a_deductible_if_I_hit_a_deer\" title=\"8. Do I need to pay a deductible if I hit a deer?\">8. Do I need to pay a deductible if I hit a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#9_Does_insurance_cover_hitting_other_animals_besides_deer\" title=\"9. Does insurance cover hitting other animals besides deer?\">9. Does insurance cover hitting other animals besides deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#10_How_can_I_avoid_hitting_a_deer_while_driving\" title=\"10. How can I avoid hitting a deer while driving?\">10. How can I avoid hitting a deer while driving?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#11_What_if_my_insurance_doesnt_cover_hitting_a_deer\" title=\"11. What if my insurance doesn&#8217;t cover hitting a deer?\">11. What if my insurance doesn&#8217;t cover hitting a deer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#12_Can_I_choose_where_to_get_my_vehicle_repaired_after_hitting_a_deer\" title=\"12. Can I choose where to get my vehicle repaired after hitting a deer?\">12. Can I choose where to get my vehicle repaired after hitting a deer?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Related_FAQs\"><\/span> Related FAQs:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_comprehensive_coverage\"><\/span>1. What is comprehensive coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nComprehensive coverage helps pay for damage to your vehicle that is caused by something other than a collision, such as theft, vandalism, or hitting an animal like a deer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Do_I_need_comprehensive_coverage_to_file_a_claim_for_hitting_a_deer\"><\/span>2. Do I need comprehensive coverage to file a claim for hitting a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you typically need to have comprehensive coverage on your policy to be able to file a claim for hitting a deer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Will_hitting_a_deer_affect_my_insurance_rates\"><\/span>3. Will hitting a deer affect my insurance rates?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nFiling a comprehensive claim for hitting a deer may not affect your rates as much as a collision claim would, but it could still lead to an increase in your premiums.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_kind_of_damage_can_hitting_a_deer_cause_to_my_vehicle\"><\/span>4. What kind of damage can hitting a deer cause to my vehicle?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHitting a deer can cause various types of damage to your vehicle, such as front-end damage, broken headlights, and dents or scratches.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_should_I_do_if_I_hit_a_deer\"><\/span>5. What should I do if I hit a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you hit a deer, pull over to a safe location, check for injuries, contact the authorities if needed, and then call your insurance company to report the incident.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Will_my_insurance_cover_injuries_if_I_hit_a_deer\"><\/span>6. Will my insurance cover injuries if I hit a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYour auto insurance policy may provide coverage for injuries you sustain in a deer-related accident, depending on the specifics of your policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_hitting_a_deer_cause_a_total_loss_of_my_vehicle\"><\/span>7. Can hitting a deer cause a total loss of my vehicle?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHitting a deer can cause significant damage to your vehicle, but whether it results in a total loss will depend on the extent of the damage and the value of your car.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Do_I_need_to_pay_a_deductible_if_I_hit_a_deer\"><\/span>8. Do I need to pay a deductible if I hit a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, you will need to pay the deductible listed on your comprehensive coverage when filing a claim for hitting a deer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Does_insurance_cover_hitting_other_animals_besides_deer\"><\/span>9. Does insurance cover hitting other animals besides deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, comprehensive coverage typically covers hitting any kind of animal while driving, not just deer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_How_can_I_avoid_hitting_a_deer_while_driving\"><\/span>10. How can I avoid hitting a deer while driving?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo reduce the risk of hitting a deer, drive cautiously in wooded areas, especially during dawn and dusk when deer are most active. Be alert for deer crossing signs and use your high beams when driving in rural areas.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_What_if_my_insurance_doesnt_cover_hitting_a_deer\"><\/span>11. What if my insurance doesn&#8217;t cover hitting a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf your insurance does not cover hitting a deer, you may need to pay for the damage to your vehicle out of pocket or consider adding comprehensive coverage to your policy in the future.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_choose_where_to_get_my_vehicle_repaired_after_hitting_a_deer\"><\/span>12. Can I choose where to get my vehicle repaired after hitting a deer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, your insurance company will provide you with options for approved repair shops, but you may have some flexibility in choosing where to get your vehicle repaired after hitting a deer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>**Yes, hitting a deer is typically covered by insurance if you have comprehensive coverage on your policy.** When you collide with a deer or any other animal while driving, the damage to your vehicle is usually covered under the comprehensive portion of your auto insurance policy. This coverage helps pay for repairs or replacement of &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Is hitting a deer covered by insurance?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/#more-167352\">Read more<span class=\"screen-reader-text\">Is hitting a deer covered by insurance?<\/span><\/a><\/p>\n","protected":false},"author":41,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-167352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is hitting a deer covered by insurance?<\/title>\n<meta name=\"description\" content=\"**Yes, hitting a deer is typically covered by insurance if you have comprehensive coverage on your policy.** When you collide with a deer or any other\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is hitting a deer covered by insurance?\" \/>\n<meta property=\"og:description\" content=\"**Yes, hitting a deer is typically covered by insurance if you have comprehensive coverage on your policy.** When you collide with a deer or any other\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/is-hitting-a-deer-covered-by-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - 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