What type of coverage applies when a deer collides with a personal auto?

When a deer collides with a personal auto, comprehensive coverage applies. This type of insurance typically covers damages to a vehicle resulting from incidents that are not classified as collisions with other vehicles. Specific events such as hitting an animal, natural disasters, theft, vandalism, or falling objects are examples of what comprehensive coverage protects against.

Accidents involving animals, like deer, are considered part of comprehensive coverage because they do not involve another vehicle directly, which differentiates them from collision coverage. Collision coverage, on the other hand, generally applies when your car is damaged as a result of hitting another vehicle or object. Liability coverage protects you from claims made by others for bodily injury or property damage, and underinsured motorist coverage comes into play when the other party involved in an accident does not have sufficient insurance to cover the damages. Therefore, in the event of a deer collision, comprehensive coverage is the appropriate type of insurance to address the damages.