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Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Auto Insurance Answers

If I have liability on my car and I hit a deer am I covered?

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No, if all you have is liability coverages of property damage (PD) and bodily injury (BI) on your vehicle you would not be covered if you hit a deer.

PD and BI liability covers others that you may cause damage or harm to while in your vehicle, this coverage does not cover you or your own vehicle for accidents you are in.

To have your vehicle covered for hitting a deer you would need comprehensive coverage. This optional physical damage coverage covers damage to your vehicle if it is stolen; or damaged by flood, fire, or animals. Comprehensive coverage would pays to fix your vehicle's damages from hitting the deer less the deductible you choose.

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Car Insurance Related I just hit a deer in my car and was wondering how much the damage would have to be for the insurance company to total the car. Is it half of the suggested retail value of the car?
Car Insurance Related I hit a deer today. Will my auto insurance premium go up if I make a claim under my 'comprehensive' coverage of my auto insurance policy?
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thank you! it helped me to know that hitting a deer is covered under comprehensive, not collision insurance.
Comment added: 03:43 AM Jan-30
Question Details
This car insurance answer was last updated 11:14 AM Jul-05.
This Insurance Claims question was asked 12:23 AM July-4-2007.
TF requested this car insurance help from CarInsurance.com experts.
Rated 9 out of 10 based on 1 votes.
Insurance Claims Category
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