Deer season for hunters is also deer season for drivers. Body shops love this time of year, while insurance companies dread it. A common deer accident question is whether or not a deductible applies. As an insurance agent in Michigan, I get this question all the time.
Rumors fly around about deductibles being waived because a deer accident is an act of God. Or the state pays your deductible because of the high number of deer. Neither are true for any state or insurance company. Whether or not a deductible applies depends on how you originally set the policy up.
Damage to your vehicle from hitting a deer is covered under the comprehensive coverage. Some companies offer a zero deductible on comprehensive, but you pay a higher price for that option. A small deductible is recommended because it will help reduce the cost of your insurance expenses. Meanwhile, it is still manageable when you go hunting with your car.More on Selecting Coverage
- How to Choose Your Auto Insurance Deductible
- Pros and Cons of Vanishing Deductibles
- Comprehensive Vs Collision Coverage