# Insurance question. **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [December 31, 2007, 10:12am UTC](https://forums.speedlife.net/t/insurance-question/41022 "2007-12-31T10:12:06Z")\ **Posts on this page:** 14\ **Page:** 1
**Author:** ![snowracer101](https://avatars.discourse-cdn.com/v4/letter/s/258eb7/32.png) [@snowracer101](https://forums.speedlife.net/u/snowracer101)\ **Post date:** [December 31, 2007, 10:12am UTC](https://forums.speedlife.net/t/insurance-question/41022/1 "2007-12-31T10:12:06Z")
If you carry Full coverage auto insurance (lib/comp/collison) and a deer HITS YOU. does this fall under a comprehensive claim or a collision claim? The reason I ask, A deer hit me, got a police report. I’d say around $2000 in damage my comprehensive deductable is $250 and my collison deductable is $1000 ---
**Author:** ![POOPRA](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/poopra/32/7188_2.png) [@POOPRA](https://forums.speedlife.net/u/POOPRA)\ **Post date:** [December 31, 2007, 10:16am UTC](https://forums.speedlife.net/t/insurance-question/41022/2 "2007-12-31T10:16:07Z")
I would think its collision, you collided with a deer. ---
**Author:** ![snowracer101](https://avatars.discourse-cdn.com/v4/letter/s/258eb7/32.png) [@snowracer101](https://forums.speedlife.net/u/snowracer101)\ **Post date:** [December 31, 2007, 10:18am UTC](https://forums.speedlife.net/t/insurance-question/41022/3 "2007-12-31T10:18:03Z")
Nevermind, found it. comprehensive Comprehensive auto insurance coverage Comprehensive insurance coverage includes all direct and accidental loss not caused by collision or upset to your insured vehicle or to a vehicle damaged by you, including its equipment. Generally, comprehensive auto coverage includes: ``` Contact with a bird or animal Falling or flying objects Theft or larceny Fire Windstorm Hail, water or flood Malicious mischief or vandalism Riot or civil commotion Breakage of glass Explosion or earthquake ``` ---
**Author:** ![dubbin91](https://avatars.discourse-cdn.com/v4/letter/d/ecccb3/32.png) [@dubbin91](https://forums.speedlife.net/u/dubbin91)\ **Post date:** [December 31, 2007, 10:18am UTC](https://forums.speedlife.net/t/insurance-question/41022/4 "2007-12-31T10:18:20Z")
deers fall under comp. at least when i hit mine, i only had comp. no collision and it was still covered ---
**Author:** ![XwalkerX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/xwalkerx/32/7598_2.png) [@XwalkerX](https://forums.speedlife.net/u/XwalkerX)\ **Post date:** [December 31, 2007, 1:34pm UTC](https://forums.speedlife.net/t/insurance-question/41022/5 "2007-12-31T13:34:36Z")
correct. because a deer running out in front of you is considered an act of nature. if you have any more ins specific questions pm me i used to work for an auto ins company… ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [December 31, 2007, 1:36pm UTC](https://forums.speedlife.net/t/insurance-question/41022/6 "2007-12-31T13:36:19Z")
I always assumed a dear would be collision. Good to know. ---
**Author:** ![Justin](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/justin/32/7459_2.png) [@Justin](https://forums.speedlife.net/u/Justin)\ **Post date:** [December 31, 2007, 2:55pm UTC](https://forums.speedlife.net/t/insurance-question/41022/7 "2007-12-31T14:55:50Z")
> [@dubbin91](#): > > deers fall under comp. at least when i hit mine, i only had comp. no collision and it was still covered > [@JayS](#): > > I always assumed a dear would be collision. Good to know. Deer :picard: ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [December 31, 2007, 3:01pm UTC](https://forums.speedlife.net/t/insurance-question/41022/8 "2007-12-31T15:01:17Z")
> [@01AudiS4](#): > > Deer :picard: Wow, can’t believe I did that. Too much shit going on here at work today. Yeah, that’s my excuse. ---
**Author:** ![Garick](https://avatars.discourse-cdn.com/v4/letter/g/8797f3/32.png) [@Garick](https://forums.speedlife.net/u/Garick)\ **Post date:** [December 31, 2007, 3:09pm UTC](https://forums.speedlife.net/t/insurance-question/41022/9 "2007-12-31T15:09:43Z")
another question about deer…is it required to get a police report after hitting a deer if you want to claim it? I hit one months ago and haven’t done anything about it, does this matter? ---
**Author:** ![97FormulaWS-6](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/97formulaws-6/32/7384_2.png) [@97FormulaWS-6](https://forums.speedlife.net/u/97FormulaWS-6)\ **Post date:** [December 31, 2007, 3:17pm UTC](https://forums.speedlife.net/t/insurance-question/41022/10 "2007-12-31T15:17:34Z")
Maybe not a police report, but you should report it to the ins right away… you may be SOL if you let it got for a while without contacting anyone. It is a comp claim though. ---
**Author:** ![snowracer101](https://avatars.discourse-cdn.com/v4/letter/s/258eb7/32.png) [@snowracer101](https://forums.speedlife.net/u/snowracer101)\ **Post date:** [December 31, 2007, 4:25pm UTC](https://forums.speedlife.net/t/insurance-question/41022/11 "2007-12-31T16:25:03Z")
> [@Garick](#): > > another question about deer…is it required to get a police report after hitting a deer if you want to claim it? I hit one months ago and haven’t done anything about it, does this matter? YES. You need a police report with any insurance claim. If you plan on getting a no fault… > JayS I always assumed a dear would be collision. Good to know. Maybe he is talking about a significant other? I think that would be considered a pedestrian. ---
**Author:** ![snowracer101](https://avatars.discourse-cdn.com/v4/letter/s/258eb7/32.png) [@snowracer101](https://forums.speedlife.net/u/snowracer101)\ **Post date:** [December 31, 2007, 4:26pm UTC](https://forums.speedlife.net/t/insurance-question/41022/12 "2007-12-31T16:26:42Z")
> [@97FormulaWS-6](#): > > Maybe not a police report, but you should report it to the ins right away… you may be SOL if you let it got for a while without contacting anyone. > > It is a comp claim though. Also, I’m not positive, but you could be charged…for leaving the scence of an accident. I know for a fact you have to report hitting a family pet (dog,cat ect) Same probably goes for any other large animal. ---
**Author:** ![Muckman](https://avatars.discourse-cdn.com/v4/letter/m/7ab992/32.png) [@Muckman](https://forums.speedlife.net/u/Muckman)\ **Post date:** [December 31, 2007, 4:52pm UTC](https://forums.speedlife.net/t/insurance-question/41022/13 "2007-12-31T16:52:11Z")
Do you have to call the police on the scene to get the report or can you go to the station and get it written up after? ---
**Author:** ![snowracer101](https://avatars.discourse-cdn.com/v4/letter/s/258eb7/32.png) [@snowracer101](https://forums.speedlife.net/u/snowracer101)\ **Post date:** [December 31, 2007, 5:09pm UTC](https://forums.speedlife.net/t/insurance-question/41022/14 "2007-12-31T17:09:33Z")
> [@Muckman](#): > > Do you have to call the police on the scene to get the report or can you go to the station and get it written up after? I called the police when it happened and they wanted me to stay there. for saftey reasons mostley (if your car is too damaged… ect) Also they want to see deer remains and tracks…or else you could be lying.