Am I Covered By Insurance If I Hit A Deer?

It is December 1 and it starts the Deer Hunting season here in Michigan. Let's answer a question that many people get here in Michigan around this time, "Am I Covered When I Get Hit By A Deer?". The answer to this is always...it depends! Well it really depends on if you have Comprehensive Coverage or not. If you do carry Comprehensive Coverage then you are indeed covered by your insurance carrier.

The insurance carrier will fix the car subject to your comprehensive deductible

You have no coverage if you get hit by a deer and you do not have Comprehensive Coverage. Make sure you look on your policy for that Comprehensive Coverage and find out how much of a deductible you have. The insurance carrier will fix the car subject to your comprehensive deductible. The state average here in Michigan is $1,000 for the deductible. So check your policy next time you get it to ensure you have it, especially when Deer are at their highest populations.

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