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If you hit a deer while driving, your rates should not increase.
If you swerve to hit a deer and hit a tree, your rates should increase.
The thought behind this is anyone could say they swerved to miss a deer when an accident happens and their rates would not increase.
If you hit the deer, there will obviously be proof coming from your front end.
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yes there is my wife hit a deer, and suffered a heart attack after hitting it, and the state gave her a surcharge in 2018
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