It happens to millions of American motorists every year: a deer flies out from its concealed position and the drive to an end. Moreover, depending on the specifics of an accident, a run-in with a wild animal could require extensive repair. So, does your car insurance cover you after hitting a deer with your vehicle?

Your comprehensive car insurance policy could cover your vehicle after hitting a deer

Motorists hitting deer with their vehicles is an extremely common occurrence in the United States. As such, many drivers who are lucky enough not to be injured in the event have to call their car insurance provider to assess and pay for the damage. Fortunately, most comprehensive car insurance policies will cover damage caused by an animal by classifying it as an “act of God.”

Of course, you can lessen your odds of striking an animal with your car by paying attention to the side of the road. Your best bet is to be vigilant, especially in areas with frequent animal crossing. But even with awareness and focus, hitting a deer with your vehicle might be unavoidable. Still, in the event of an unavoidable strike, a comprehensive policy will likely cover the damage. 

Around 1.5 million vehicle crashes involve deer in the United States annually, per MoneyGeek.com. Peak season is the height of winter, and some states are much more likely to have vehicle vs. deer crashes. For instance, a run-in with a deer in Missouri is over 10 times more likely than it is in Nevada.

Unfortunately, in addition to the likely death of the deer in an animal vs. vehicle crash, the damage to your vehicle could result in a rebuilt or salvage title. Insurance providers will typically weigh the cost of repair against the overall value of your car. If the damage caused by the animal is greater than the vehicle’s value, your provider may issue a payout and sell your vehicle at auction.