Does Car Insurance Cover Hitting A Deer?

If you live in a state that boasts a significant deer population, the chances of you hitting one while on the road are high. But does car insurance cover hitting a deer? Let’s find out.
hitting a deer
Does Car Insurance Cover Hitting A Deer?
This blog attempts to answer questions like – does car insurance cover hitting a deer? Should you file a police report if you hit a deer? What to do in case a deer is still alive after being hit?
In this article

Deer and car collisions are unfortunately common in areas with a high deer population. Even when drivers are paying attention, deer can collide with vehicles on the road due to their unpredictable behavior. Such accidents can be prevented by knowing how to avoid them. This article will help you answer the question: Does car insurance cover hitting a deer? 

Does car insurance cover hitting a deer?

Comprehensive car insurance covers damage to your vehicle if the animal runs into the road and strikes it. Any injuries you might suffer if you hit a deer are not covered by comprehensive insurance. 

Is hitting a deer covered by collision or comprehensive coverage?

Hitting a deer falls under comprehensive insurance coverage. Comprehensive insurance covers accident conditions and situations like hitting a tree or an animal. 

Does liability car insurance cover hitting a deer?

A liability-only insurance policy covers the damage you cause to another person’s or another party’s property if you cause an accident. Liability-only insurance will not cover the damage when a deer strikes your car.

A comparison of car insurance quotes on Beem can help you get the best deal for your budget and provide the coverage you need in case of an accident. 

Do you have to pay a deductible if you hit a deer?

If you hit a deer, you have to pay a deductible. When you purchase an insurance policy, you choose your deductible. This is the amount you will contribute to any covered events. 

How much is your deductible if you hit a deer?

Insurance policies with a lower deductible are usually more expensive, and those with a higher deductible are typically less expensive. It depends on your choice when you apply for insurance. 

Are injuries from a deer accident covered?

If you hit a deer with your comprehensive insurance policy, your injuries will not be covered. In this case, it covers the car’s cash value. 

Risky times for deer crashes

Driving through October and December increases the risk of hitting a deer. November is also a peak mating season for deer, so more crashes occur.

How to avoid hitting a deer

One can follow the mentioned steps to avoid hitting deer:

  • Reduce your speed
  • Scan the roadway for deer
  • Use your high-beam headlights
  • Use your horn

What happens if I swerve to avoid a deer?

Experts recommend not swerving to avoid deer. Unless you can safely slow down, swerving may cause you to roll over or even lose control of your vehicle. 


So, does car insurance cover hitting a deer? Deer accidents are typically covered by comprehensive coverage on your car insurance policy. The insurance may cover repairing or replacing your car if you hit a deer. The comprehensive insurance on your policy must cover the crash if your vehicle makes physical contact with the deer.

Crashing into oncoming traffic while swerving to miss a deer is considered a collision claim. One must ensure safety and precaution while drinking and swerving avidly to avoid extensive accidents. 

Remember, you can use Beem to find the best insurance quotes to help you make the right choice. Auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others. 


Do I have to file a police report if I hit a deer?

Yes, one must always file a police report if you hit a deer. The deer pose a risk to other vehicles on the road; hence, it is essential to inform authorities. 

What to do when you hit a deer and it’s still alive?

It is considered safe not to approach them. They might attack or run, which can result in other accidents. One must inform authorities for everybody’s safety. 

Will hitting a deer make my insurance go up?

If you file a deer-related accident claim, your premium will likely increase at renewal time.

Does hitting a deer go on your driving record?

No, it won’t go into your driving records, but if you apply for insurance, it will go over your claim history. 

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Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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