Physical damage insurance is divided into two separate coverages, comprehensive and collision. Both usually have deductibles.
A deer crash is covered as a comprehensive claim if there is evidence of direct contact with the deer. Otherwise, the damage is covered through collision. A comprehensive claim generally does not affect premium. It may, however, impact the policy's claim-free discount. A surcharge is likely after a collision loss. Check with a local auto insurance agent for details.
Again, a liability-only policy does not cover insured vehicle damage. Liability insurance is required by law and pays when the policyholder is legally responsible for another person's crash-related damages. The owner must pay for deer-related crash damage out-of-pocket in this situation.
It's important to be familiar with policyholder duties after a loss. Among the requirements: