If I don't have collision and hit a deer am I covered?

Well it doesn't matter that you don't have collision insurance in this case. What you need is comprehensive coverage. Do you have that?

[Let Insure.com help you find affordable car insurance now.]

Comprehensive coverage pays for animal collisions, theft and vandalism. it will pay damage to your car that's not due to a crash -- even weird things like a meteor hitting your car.

Our car insurance basics explains auto insurance coverage choices.