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Deer Collision No. Liability insurance is triggered when you are at-fault for an accident. It's used to pay for the damage you cause to someone else's property, not your own.

A deer hit would fall under comprehensive coverage, and isn't considered an at-fault loss. In some states, collisions with wildlife are covered by the state. Check with your insurance agent.

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Q: Will liability insurance cover you if you hit a deer?
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