The short answer
Hitting an animal is covered under comprehensive ('other than collision') cover, not collision itself. You'll pay your comprehensive deductible. Swerving and hitting something else is collision, not comprehensive.
The deductible difference
Comprehensive deductibles are usually lower than collision ones ($250–$500 vs $500–$1,000). Worth checking before you file.
Frequently asked
- Will a deer claim raise my premium?
- Less than a collision claim, because it's 'not your fault'. Some insurers still apply a small surcharge after multiple comprehensive claims.
- Do I need a police report?
- Strongly recommended. Many states require it for any animal collision causing notable damage.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$3 per analysis · $9 for all 4 tools · No subscription