What happens if you don't have comprehensive insurance in an accident?

Will my insurance cover any of the damage if I hit a deer and don't have comprehensive insurance on my car?

“If you collide with an animal and your vehicle is damaged, you will need comprehensive insurance to cover the damage.
Without it, your car insurance will not cover any of the damage.
This is because liability car insurance only covers the damage that you do to other people’s vehicles or injuries you cause.
Comprehensive and collision insurance are the only coverages on a car insurance policy that will cover damage done to your vehicle, regardless of fault.”
Emily Maracle
Answered on Jul 15, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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