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typcially the insurance stays with the car....if you have collision coverage (if no actual contact with the deer would be collision rather than comprehensive coverage), your insurance would cover.....in most states if there is no collision coverage on the vehicle, but the driver has a vehicle that has the needed coverage it would then apply.........

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Q: If another person is driving your car with consent and swerves to miss a deer but lands in ditch and damages the car who is liable?
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