Originally Posted by 5er_tom
Also note that for insurance purposes you are better off to hit the deer rather than swerve and hit something. No deductible for hitting the deer.
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This is not true for most. Maybe in your case, but not for hardly anyone else.
Deer hits along with any other animal, are deemed comprehensive, just like hail, fire, theft, etc.
If you hit something else from swerving to miss an animal, its deemed collision. Most people have the the same deductible for both coverages.
Also a note....most insurance companies will not cover more than $1,000 of additional accessories if you are their insured. So an additional rider should be added for anything over that price like, brush guards, lighting, bedcovers, bedliners, wheels, running boards, hitches (for most of us) etc.