Which coverage might cover damage to a personal vehicle when the insured hits a deer?

Comprehensive coverage is designed to protect against damages to your vehicle that are not the result of a collision with another vehicle. This includes incidents such as hitting an animal, including a deer, theft, vandalism, and natural disasters. When you hit a deer, the damage to your personal vehicle falls under this category, as it is not caused by another vehicle or a direct collision with another object in the context of traffic accidents.

Liability coverage, on the other hand, is intended to protect you against claims made by others for bodily injury or property damage for which you are responsible, but it does not cover your own vehicle's damages. Collision coverage would cover damages resulting from an accident involving another vehicle or object, while uninsured motorist coverage provides protection when you are involved in an accident with an at-fault driver who has no insurance. Therefore, this situation specifically falls under the protection provided by comprehensive coverage.