If your partner has an accident in a car she is not insured to drive it is highly unlikely the insurance company will pay for any damages, in many countries it is also illegal to drive without insurance and punishments for such serious offence can sometimes include prison time. In the UK it would result in a £1000 fine at the very least and probably a 3 month driving ban.
of course...
You are required by law to have liabilty coverage, but not collision coverage. If you did not have collision coverage then you are not due any compensation by your insurance company. If you did have collision insurance and the insurance company will not pay, then you may be able to sue the insurance company, but you cannot sue the state.
Depending on what insurance company you have and your plan. Most do in/near wooded areas.
You will need to make a report to both insurance companies. Even though you are not at fault your insurance company will still want to know. Unless the other party takes the blame right away and tells there insurance company that it was there fault then you do not need to tell your insurance. But I always recommend that you always talk to your insurance company about the accident.
The only intitlement of monies will go to that deer, for the deer is someones property(state)and your insurance company may have to pay for its medical bills if it survived the accident, but nothing to you.
Insurance company is required to pay for actual damages. This means putting you back to where you were before the accident, not hitting the lottery to get something for nothing. There is no pain and suffering amounts.
Generally when it comes to hitting an animal your insurance angency will only make you pay your deductible. Sometimes it is completely covered.
No you will not. If your company has a "no claim discount" you could lose this discount for making any type of claim. Most companies do not charge you for this type of loss.
No, not usually. The insurance company has nothing to do with suspension of drivers licenses, that's up to the Department of Motor Vehicles or whatever it is in your state. I have seen times where a person owes an insurance company money from hitting an insured vehicle when the party at fault did not have insurance required by law. In these cases I have seen our state suspend a drivers license until the balance is paid in full to the insurance company. This is because it was due to failure to obey a state law of not driving without minimum required insurance limits. I saw once where a 15 year old could not get a license until this was paid off in full.
Yes, under comprehensive
No. By "full coverage," I assume you mean you have comprehensive and collision coverage. This does not include rental. You have to buy a special endorsement on your policy to get rental. Hitting a deer is a comprehensive claim and if you have rental, you will get a rental if the car is non-drivable or when it is in the shops for the repairs. If you did not buy rental, the insurance company does not have to pay. Check your coverages.
It is other than collision insurance. It covers hail, stolen vehicle, hitting an animal, and vandalism.