You will most likely need to pay a deductible after hitting a deer. When you took out your insurance policy, you decided on your deductible, which is the amount you will contribute to any covered events.
Usually, the more you pay for your insurance policy, the lower your deductible is, and the less you pay to be ensured, the higher your deductible is.
For example, let’s say your deductible is $500, and you hit a deer and damage your car. You take your car to the shop and it will cost $1,200 to fix it. You would likely be responsible for contributing the $500 deductible toward those repairs, and your comprehensive insurance policy would cover the difference of $700.
However, if your car is totaled, meaning the amount it would cost to fix it surpasses the amount the car is worth, then your insurance company may just pay you the cash value of your car. It’s important to check your insurance policy since policies and their terms can vary.