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.
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.
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