What Auto Insurance Covers Hitting A Deer? 
The portion of an auto policy that covers damage caused by hitting a deer is the `` Comprehensive '' portion of the physical damage coverage . Physical damage coverage for your car is divided into two portions : Collision and Comprehensive . Collision is the more narrowly defined of the two and provides coverage if your car is damaged as a result of hitting another car , a stationary object or a human.Comprehensive covers everything else , for example , a deer strike , vandalism , somethig falling on it while parked , etc. . 