Does Liability Insurance Cover Hitting A Deer| (In 2023)

Does Liability Insurance Cover Hitting A Deer

In the quiet darkness of the night, as the headlights cut through the misty air, fate lurks after the wind. An uncertain force crash with the car, causing a heartbeat to skip. 

So, despite the echoes of panic that fade into the distance, a question remains to haunt the driver’s mind as the dust settles. Does liability insurance cover hitting a deer?

More so, a liability policy covers at-fault accidents. The policy does not cover a deer running into the road and causing an accident. Cover damage done to a deer by adding comprehensive insurance.

Is Hitting A Deer Covered by Liability Insurance?

A state’s minimum insurance rule is liability coverage. It protects others if you are at fault in an accident. It does not cover surprise events, such as hitting a deer.

Furthermore, adding comprehensive insurance to your policy will cover you in the event of a deer hit. You can also upgrade your minimum policy coverage to full coverage. A full coverage policy includes liability, comprehensive, and collision coverage. In case you have a company and are worried about uncertain accidents, then buy excess insurance and premises liability insurance.

What Does Liability Insurance Cover| Does Liability Insurance Cover Hitting A Deer

A policy covers the following:

  • Injuries and damage to people or property: Damage to another vehicle, piece of property (walls, structures), or person.
  • The costs and payouts you have to pay to the person you collided with or injured.

Liability coverage excludes:

  • Intentional damage: A vehicle you intentionally damage.
  • Criminal charges: Charges you face for breaking the law.
  • Contractual liabilities: Damage to your vehicle.

What’s Covered by Comprehensive Auto Policy?

A comprehensive policy covers the following:

  • Civil disobedience: When someone trashed or steals your car.
  • Explosions and fire: The coverage includes damage caused by flames and explosions.
  • Damage from animals: An animal hits or runs into your car. 
  • Falling objects: When objects fall onto your vehicle (for example, a pole or tree branch).
  • Glass damage: Broken windows and cracks
  • Natural disasters: Cover natural events such as hurricanes, earthquakes, and floods.
  • Terrorism: An act of terrorism that causes an accident.
  • Weather-related incidents: Damage caused by hail, heavy rain, or severe weather.

How Much Does Comprehensive Coverage Cost?

Comprehensive coverage and liability coverage cost an average of $121 a month. Ensure you have full coverage (liability, collision, and comprehensive policy). The average cost of full coverage is $2,390 per year ($200 per month).

Deductibles On Comprehensive Coverage

A fixed deductible is part of your auto insurance policy. 

You must pay an extra fee to get this policy with zero deductibles. 

So, for comprehensive insurance without deductibles, ask your provider about this option.

How To Claim If You Hit A Deer (6-Step Guide)

Keep calm and follow these steps to make your claim after hitting a deer:

  • Put your car in a safe place and turn off the engine. Turn on your hazards to increase visibility. It is vital when you hit a deer at dusk or dawn.
  • You should call the police to report the accident and ask for help removing the deer.
  • Take pictures of the damage and write down the details of the accident. Identify any witnesses and take down their details.
  • Claim with your insurer. Process your claim as soon as possible.
  • Trying to drive a damaged vehicle until an insurance adjuster or tow truck may cause extra damage.
  • You should stay away from the injured deer and contact a wildlife vet.

3 Things To Consider Auto Coverage For Hitting Deer| You Should Know

  • Your policy premiums won’t rise if a deer damages your car.
  • Liability coverage doesn’t cover deer hits. Coverage is available with comprehensive coverage.
  • You can damage your car’s engine by hitting a deer, and repairs are expensive. Comprehensive coverage is essential if you live near wild deer.


In most cases, liability insurance does not cover damages caused by deer. The purpose of this policy is to protect you financially if you damage someone else’s property or cause injury to someone. 

Likewise, a deer hit by an automobile is generally considered a comprehensive or collision claim covered by comprehensive or collision coverage. Contact your policy agent to determine whether your policy covers hitting a deer.


What is liability insurance?

A policy protects you financially if you injure or damage someone else’s property while operating your vehicle. In most cases, it covers repairs, medical expenses, and legal fees.

What insurance coverage covers hitting a deer?

Comprehensive or collision policy generally covers deer-related damages. The comprehensive policy covers incidents like 

  • animal collisions, 
  • vandalism, 
  • and natural disasters, 

while collision policy covers damage from collisions.

Can a liability policy cover any damages in a deer-related accident?

While trying to avoid hitting a deer, you may be liable for damages or injuries caused to another vehicle or party. The policy does not cover damages to your vehicle.

How can I protect myself financially from hitting a deer?

You should have comprehensive or collision coverage if you hit a deer. Depending on your coverage, you can get help with the costs of repairs or total loss if your vehicle collides with a deer.

Do I need comprehensive or collision insurance when I hit a deer? 

Does Liability Insurance Cover Hitting A Deer? Comprehensive or collision insurance is good for non-collision incidents, such as hitting a deer. You would cover the repair costs without this coverage.