* Your specific insurance policy: The terms of your policy will determine what is covered and what your deductible is.
* The details of the accident: How severe was the collision? Was the deer the sole cause of the accident, or did other factors contribute?
* State laws: Some states have specific laws regarding animal collisions and insurance coverage.
It's crucial to contact your insurance company immediately after the accident. They will be able to assess the situation, determine if the damage is covered under your policy, and explain your responsibilities.
Here are some general guidelines:
* Collision coverage: If you have collision coverage, it typically covers damage to your vehicle caused by an accident, regardless of fault. However, you will likely have to pay your deductible.
* Comprehensive coverage: Comprehensive coverage typically covers damage to your vehicle caused by events other than accidents, like theft, vandalism, or animal collisions. You may or may not have to pay your deductible depending on your policy.
* Deductible: Your deductible is the amount you have to pay out of pocket before your insurance coverage kicks in.
It's essential to consult with your insurance agent or a legal professional to understand your specific rights and obligations. They can help you navigate the process and ensure you get the appropriate compensation for your losses.