Many drivers assume that paying their car insurance each month means they are protected if a deer suddenly darts into the road. But that is not always the case, and some policyholders could end up covering the repair costs themselves.
With deer active across the state during this season, it is a good idea to review your policy before you have an expensive surprise.
Does Insurance Cover Hitting a Deer in Michigan?
Michigan insurance officials recently urged motorists to confirm their coverage before a deer-related crash leads to a large repair bill.
If you carry what most people refer to as full coverage, you likely have comprehensive coverage, which generally pays for damage caused by striking a deer. Still, it is wise to look over your policy to make sure.
If you only have the minimum insurance required in Michigan, damage to your own vehicle from hitting a deer is usually not covered.
Even with coverage, a deductible typically applies. For example, if repairs cost $3,000 and your deductible is $500, you would pay $500 while your insurer covers the remaining $2,500.
Review Your Auto Policy Before a Deer Crash Happens
The state says deer collisions are more common in fall, and repair bills can easily reach thousands of dollars. Realizing you are responsible for the full amount would only add to an already frustrating situation.
Spend a moment checking your policy or contacting your insurance agent. Confirm whether deer collisions are covered and learn how much you would need to pay yourself.
It is better to know now than after your car’s front end has been badly damaged.
All 17 Genesee County Townships Ranked by Deer Crashes
These are reported deer crashes in 2025, listed from the fewest to the most. Cities and villages are counted separately and are not included.
Gallery Credit: Tony LaBrie
18 Michigan Counties With Confirmed Cases of Deadly Deer Disease
These figures show the total number of confirmed chronic wasting disease (CWD) cases in Michigan's wild deer since 2015, not only cases reported in 2026.
Gallery Credit: Tony LaBrie
14 Michigan Counties Where EHD Has Been Confirmed in Deer
EHD is a potentially fatal deer virus spread by tiny biting flies known as midges. The Michigan DNR confirmed it in deer in these 14 counties in 2026, according to its October 14 update.
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