Hitting a deer or any other live animal while driving your vehicle is almost universally classified as a comprehensive insurance claim rather than a collision claim under standard auto insurance policies. Because animal strikes are generally considered sudden, unpredictable events outside of a driver's control—falling under acts of nature or wildlife interactions—they trigger comprehensive coverage. This is a significant benefit for policyholders because filing a comprehensive claim typically results in a lower risk of future premium surcharges compared to at-fault or standard multi-vehicle collision claims, subject to your chosen deductible amount.
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