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.

Hello, Unfortunately, there is no way to instantly remove demerit points from your license since there was a collision. In a case where an animal is involved, insurers typically rule it to be safer to hit the animal than to swerve trying to miss it.

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.

If your husband does not have collision coverage, then he does not have coverage for an at-fault accident. Typically single vehicle accidents (including swerving to avoid a deer) is considered at fault.

Since the other driver is at fault in the accident, you will want to file a claim with his insurance company. They would be the ones that will pay for your damages.

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.

This can be tricky to answer. In Maine, they have a law called Implied Consent.

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.