Does Liability Insurance Cover Hitting A Deer?

Updated October, 2020
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Liability insurance covers at-fault accidents. It doesn't cover accidents involving surprise events, such as a deer running into the road. Add comprehensive insurance to cover damage done by hitting a deer.

Does liability insurance cover me if I hit a deer?

Liability coverage is the state's minimum insurance requirement. It provides protection to others if you're in an at-fault accident. However, the policy doesn't cover surprise events, such as hitting a deer.

Buy comprehensive insurance as an additional policy to remain covered for hitting a deer. Or, upgrade from minimum insurance to full coverage. Full coverage includes liability, comprehensive, and collision coverage.

What does liability insurance cover?

Liability includes coverage for:

  • Injuries and damage to people and/or property: Damage to another vehicle, piece of property (fences, walls, or structures), or person.
  • Legal costs and payouts: Legal fees and payouts to the person you've collided with or hurt.

Liability coverage excludes coverage for:

  • Intentional damage: Damage you cause to another vehicle on purpose.
  • Criminal charges: Charges made against you for breaking the law.
  • Contractual liabilities: Damage done to your car.

What's covered by comprehensive auto insurance?

Comprehensive insurance covers the following:

Civil disobedience: Someone breaks the law and vandalizes or steals your car.

Explosions and fire: Damage caused by flames and explosions are covered.

Damage from animals: You hit an animal, or an animal runs into your car.

Falling objects: An object falls onto your vehicle (e.g., pole, tree branch)

Glass damage: Broken windows and cracks

Natural disasters: Severe natural events such as hurricanes, earthquakes, or floods.

Terrorism: Any accident caused by a terrorist attack.

Weather-related incidents: Damage caused by hail, heavy rain, or any other severe weather.

How much does comprehensive coverage cost?

The average cost for comprehensive coverage and liability coverage is $121 a month.

Buy full coverage (liability, collision, and comprehensive insurance) to maintain more protection. On average, full coverage costs $2,390 per year ($200 per month).

Progressive provides full coverage at a competitive rate. Contact Progressive to get an easy quote, today!

Deductibles on comprehensive coverage

The amount of your deductible is pre-determined when you buy your auto insurance policy.

To get this policy with zero deductibles you're charged an extra cost. Ask your insurance provider about this option if you want to remove deductibles from your comprehensive policy.

How to make a claim if you hit a deer (6-step guide)

After you hit a deer, remain calm and remember to take the correct steps to make your claim, such as the following:

  1. Move your car to a safe place and switch off the engine. Put your hazards on to increase your visibility. This is especially vital to do if you've hit the deer during dusk or dawn.
  2. Call the police to report the accident and ask for help if you need a deer removed from the road.
  3. Document the incident by taking pictures of the damage done to your vehicle and writing down the details of the accident. If there are witnesses, take down their contact details and statement of what happened.
  4. Contact your insurer and make your claim. The sooner you do this, the sooner your claim is processed.
  5. Don't drive your car until an insurance adjuster or tow truck arrives because you may cause extra damage if you try to drive a damaged vehicle.
  6. Stay away from the injured deer and call a wildlife vet in your area to handle the animal.

3 things to consider about auto coverage for hitting deer

  • Making a claim for vehicle damage caused by a deer doesn't raise your insurance premiums.
  • Liability coverage doesn't cover you when you hit a deer. Add comprehensive coverage to your policy to get coverage.
  • Hitting a deer can cause severe damage to your car's engine, and repairs are not cheap. If you live in an area that has wild deers, comprehensive coverage is essential.

Get the best coverage for hitting a deer, here!

Get the best deals on comprehensive coverage by filling in our form below. Get instant quotes tailored to your needs - fill out our short form, today!

Call an insurance expert
Our team will help you find the lowest insurance prices.
866-996-3156