Comprehensive coverage reimburses you if you hit a deer. Some people mistakenly think that because you “collide” with a deer, collision coverage would apply after the accident.
But it is actually comprehensive coverage that protects you after hitting a deer. Comprehensive coverage provides protection for damages caused by events that are out of your control, such as hitting an animal.
If you are injured because of hitting a deer, medical payments coverage or personal injury protection (PIP) coverage would help cover medical costs. So would your health insurance policy.