That should be covered by comprehensive insurance and the insurance company will pay for damages minus any deductable.
typcially the insurance stays with the car....if you have collision coverage (if no actual contact with the deer would be collision rather than comprehensive coverage), your insurance would cover.....in most states if there is no collision coverage on the vehicle, but the driver has a vehicle that has the needed coverage it would then apply.........
The Property Damage coverage on the car you were driving should cover the damage to your own car. In the event that the car you were driving didn't have insurance coverage then you may be able to make a claim under your own Collision coverage or Uninsured Motorist Property Damage coverage could apply.
It all depends on what insurance company you are with, what your driving record is, and how much or what coverage you have at that time. It can also depend on the age of the person in a collision and how long they have been driving. So the costs can defer in a few ways.
these are generally considered under the 'collision' portion of the policy.....
Insurance follows the car. Your roommates insurance will cover the damage providing that he has "collision" coverage.
You are liable for the damages to the property that was struck which belongs to others. If you have coverage for the car you were driving, (Collision) the deductible would have to be paid. If there is no coverage on the vehicle, then it's up to the owner to repair and whatever arrangements were made prior to the accident.
Not driving.
Your insurance will cover this accident if you have the appropriate coverage. Depending on your insurer, this would fall under comprehensive or collision coverage. You will still be responsible for the deductible, and the claim may make your rates go up. Consider this before filing if the damage is minimal. It may not be worth it.
It is uncertain what you mean by "driver's insurance". There is a kind of liability insurance called "non-owners coverage" that is often required under a state's Financial Responsibility Law when an individual has been in an at-fault collision, did not have the required liability coverage and when the other party's damages exceeded a stated amount, or when an injury occurs. It is also sometimes required when a judgment is entered against an individual for an auto collision and the judgment remains unsatisfied. Non-owners coverage generally will "follow the driver" irrespective of the vehicle that he or she is driving. Non-owners coverage provides no coverage for the vehicle itself such as for its repair or replacement in the event of a collision.
This would depend on your insurance coverage or weather you are willing to sue him.
If you have an auto insurance policy that covers non-owned vehicles - then your liability and collision coverage would likely extend to your rental car. If you don't have collision coverage - then you will be on the hook to repair the rental car. If you don't have any auto insurance - then you can be sued for a lot of money by both the rental car company and the person you hit.
driving fast