Does comprehensive cover hitting a deer?
Written by Marc Berry
Founder and Insurance Distribution Executive
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed
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Short answer: Yes. Hitting an animal like a deer is covered under comprehensive, not collision, because insurers treat animal strikes as an unavoidable event rather than a crash with another vehicle or object.
It's a common point of confusion: swerving and hitting a tree to avoid a deer is usually a collision claim, but actually striking the animal falls under comprehensive. Either way you'll pay your deductible, and a comprehensive animal-strike claim typically isn't counted as an at-fault accident.
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed