Al,
Don't know if it applies there, but here in NY if you hit a deer it is covered by comphrrehensive insurance and not collision. Of course the insurance companies will not tell you this so you need to ask specifically, then they have to tell you. my X mo-in-law hit a deer, destroyed her car with no collision coverage. Then 3 months later I asked her if she had comp, yes she did, called the insurance company and lo and behold, had a $3k check a week later. They were a little PO'd (why is it PO'd anyway and not P'd O???) but paid right up once they got caught.
