Does Car Insurance Cover Hitting A Deer? 
Car insurance covers hitting a deer . Typically , if you have `` full '' coverage on your vehicle -LRB- collision and comprehensive benefits -RRB- , the claim will be paid by your insurer . Typically , it is classified as a `` comprehensive '' claim and not subject to any surcharges . You may have a deductible to meet , although having `` no '' deductible is fairly common . As an experienced car insurance broker -LRB- 33 years in the business -RRB- , this question is quite common and we handle them on a regular basis . 