Deer Collision No. Liability insurance is triggered when you are at-fault for an accident. It's used to pay for the damage you cause to someone else's property, not your own.
A deer hit would fall under comprehensive coverage, and isn't considered an at-fault loss. In some states, collisions with wildlife are covered by the state. Check with your insurance agent.
Comprehensive coverage will usually cover you if you hit a deer. Coverage may be optionally covered under comprehensive or collision in some states. If you do not actually hit the deer and have a collision, it would only be covered under collision insurance.
No. Unless you killed somebody's pet deer, liability insurance is no value. Liability insurance covers the damage you do to somebody else's property or person. Collision insurance covers damage to your vehicle when you strike an object or animal or when your vehicle is damaged by someone unknown, as in a hit-and-run accident.
No. Liability insurance will only cover your liability for property damage/injuries to others. In this case, it would cover the damage to the pole you hit. Your liability coverage will never cover damage to anything you own. You would need collision/comprehensive coverage to cover damage to your car.
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
If your liability insurance is not enough to cover the damages, you will probably be sued by person you hit or his representative for the rest of the damage.
no, but the PD should be covered by comprehensive
The liability will cover for most property damage that may happen. I don't think that the deers family will sue you so that may not apply in this case. If you have coverage for the vehicle such as comprehensive and collision coverage, then it should cover your vehicle for the damage that was done, minus the deductible.
If you hit a deer, coverage is found in your auto policy in the "Other than collision" or comprehensive coverage section for damage to your covered auto. Liability is available only for third parties that you injure due to negligence.
Yes, if they accept liability and they will pay up to the limit of property damage coverage.
You do not pay a deductible for the car that you hit. Your liability coverage does not have a deductible.
Sue him.A bit more:If the person who hit you doesn't have enough insurance to cover the damages to your vehicle, then your insurance should cover the balance of the costs if you have full coverage and not just liability insurance.
Liability insurance only covers someone else in the case that you are responsible for damages caused in a collision. Comprehensive coverage will cover a driver that you hit, as well as cover yourself for any damages inflicted during a collision.