Questions & answers · Car insurance
I hit a deer with my car. Does my insurance pay, and can they drop me?
Car insuranceOtherTexasChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗
In short
- Comprehensive coverage pays for damage that is not from a car crash. Hitting an animal is an example in Texas.
- You will probably pay a deductible.
- The company cannot drop you for this claim, but your rate may go up.
What this means
TDI says you are covered for hitting an animal if you have comprehensive coverage. That coverage pays for damage to your car that is not caused by a car crash [1]. You will probably have to pay a deductible to get the car fixed [1].
TDI also says Texas law does not let the company drop you if you file a claim for hitting an animal. The company could raise your rate when you renew [1].
If you have only liability coverage, this TDI page does not say it pays for your own car. TDI says liability pays for the other driver's repairs and medical bills [1].
Your next step
Look at your declarations page for "comprehensive". If you have it, report the claim and ask how much your deductible is. The TDI page gives no filing deadline; ask your insurer.
Check it yourself
Open the TDI FAQ and find "Am I covered if I hit an animal with my car?".
Where this comes from (1)
[1] TDI · checked 2026-11-06
Liability insurance pays for the other driver’s repairs and medical bills. … Yes, if you have comprehensive coverage. This is the coverage that pays for damage to your car that isn't caused by a car crash. You'll probably have to pay a deductible to get your car fixed. State law doesn’t allow your company to drop you if you file a claim for hitting an animal, but it could raise your rate when you renew your coverage.
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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