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Hitting a deer is covered by comprehensive insurance, which repairs the policyholder’s car when it’s damaged by something other than an accident with another car or stationary object. If you hit a deer and file a comprehensive claim, you will be required to pay a deductible – usually $100 to $1,000.
On the other hand, collision insurance applies after a single-car accident or a wreck with another vehicle or stationary object. For example, you would use collision insurance if you drove your car into a tree. But it wouldn’t apply if you hit a deer.
To learn more, check out WalletHub’s guide to collision vs. comprehensive insurance.
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