Liability insurance doesn't cover collisions you have with a deer. This portion of your auto insurance pays benefits for damages and medical expenses when you cause an accident with someone else. A deer collision is actually covered by comprehensive protection if you have that type of insurance in your auto policy.
Comprehensive insurance pays for damage to your vehicle that's not tied to accidents with other vehicles in which driver fault is a factor. Animal-contact damage is routinely included as part of a comprehensive policy. You do often have a deductible, though, which means you have to pay that amount prior to your insurer paying out. If you have a $500 deductible and $1,500 in damages, your insurer pays the $1,000 after-deductible balance.
Neil Kokemuller has been an active business, finance and education writer and content media website developer since 2007. He has been a college marketing professor since 2004. Kokemuller has additional professional experience in marketing, retail and small business. He holds a Master of Business Administration from Iowa State University.