In most cases, you will have to pay a deductible if you file a car insurance claim after hitting a deer with your car.

When you purchase comprehensive or collision coverage, you choose a set deductible. A deductible is the amount you'll pay out of pocket toward a covered claim.

For example, say your car is damaged after hitting a deer. It will cost $2,000 to repair your vehicle. If your comprehensive coverage has a deductible of $500, you'd pay $500 toward your vehicle's repairs, and your insurer would reimburse you for the remaining $1,500.

On the other hand, say your car is totaled after you hit a deer. Your comprehensive coverage's limit would dictate the maximum amount your policy would pay out to help you replace your vehicle.