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What Coverage Applies if you Hit a Deer (Dead or Alive)?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/29/2011

Hitting a dead deer or an alive deer is all covered under the same coverage.

Any time you have a run in with an animal, whether they run into you or you run into them, it is covered under your comprehensive coverage on your insurance policy. This includes if the animal that you hit is dead.

So if you are driving and you hit a dead deer that was laying in the road from someone hitting it earlier, your insurance company is going to repair the damages under your comprehensive coverage. This also means that your comprehensive deductible applies, not your collision deductible.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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