Does uninsured motorist insurance pay if you hit a deer?

Yes, uninsured motorist insurance pays for personal injury and property damage that results from a collision of your car with a deer. Uninsured motorist (UM) insurance provides coverage when the at-fault motorist is either uninsured or underinsured, and this includes accidents involving animals in some cases.

It's important to check the specifics of your UM insurance policy, as coverage limits and terms may vary. Some policies may explicitly mention if animal-related accidents are covered, while others may not mention this. If in doubt, contact your insurance agent or customer service to clarify how your policy works concerning claims resulting from incidents with wildlife.