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Hitting an animal 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 an animal 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 an animal.
To learn more, check out WalletHub’s guide to collision vs. comprehensive insurance.
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