Deer

Hitting an animal is almost always covered under comprehensive coverage. Unless something else had happened, I would seek additional assistance with this claim because they should not be denying it.

As long as the driver is covered by the policy — they don't necessarily need to be listed — insurance should cover the damage. Most policies would cover a driver, who does not reside with you, borrowing the car.

This is considered a single-vehicle accident which is considered at-fault. Unfortunately, in this instance, insurance companies would prefer that you not swerve to avoid a collision.

It really depends. In Arizona, a totaled vehicle is determined via a total loss formula.

Most companies do not require you to have a police report to file a claim. Double-check with State Farm to make sure but you shouldn't have any problems.

There's a couple of things to consider here. First, your first claim is considered a collision claim but your next claim would be considered a comprehensive claim.

If your son hit a deer and that is what caused him to go into the ditch then the accident is likely to be considered a comprehensive claim rather than a collision. Comprehensive claims generally don't impact rates as severely, if at all, the way a collision claim would if he had hit another driver.

Animals cause all sorts of damage to vehicles, and not always because someone hits them with their car. Luckily, insurance companies don't discriminate over you hitting an animal or an animal hitting your car.

Normally when you are driving and hit something in the road then the damage would be covered under collision. However, hitting a deer (or any other animal) is considered a comprehensive claim since it is an unexpected variable and falls under the category of an "act of god," much like hail damage or vandalism.