In most cases, yes, you should file a claim for hitting a deer, especially if the damage to your car is severe. However, there are a few things you need to consider. For example, you are usually responsible for paying repair costs until you meet your deductible when you file an insurance claim after hitting a deer with your vehicle. The deductible is the amount you set when you purchased your auto insurance.
Suppose your vehicle costs $2,000 in repairs, and your comprehensive coverage has a deductible of $500. In that case, you would pay the $500 toward your vehicle’s repairs and then your insurer would reimburse you for the remaining $1,500.
However, if your vehicle is totaled after hitting a deer, your comprehensive insurance coverage limit determines the maximum amount your policy pays to replace your vehicle.