Scroll to post 8 to see pics So yesterday I was involved with a collision with a deer. I was driving down the road, going roughly 45 miles an hour, and out of nowhere I deer jumps right in front of my car. This happened so quickly I had already hit the beast before I could slam on the brakes. While it was in mid air my car slammed into it and threw it across the road in the air. I think it lived. I am fine, aside from some minor bruising from the seat belt. The airbags did not deploy however it did make my car automatically turn on the hazard lights and unlock the doors (how clever). Not to start a debate here but I can honestly say if I was not driving an SUV that deer would have been through my windshield and probably could have hurt me. The high height of the front of the car took the beating instead of the windshield. The damage to my car is extensive includes a curled up hood, two smashed quarter panels, all the front lights are smashed except for the fogs, the grill is ruined, the brush guard is broken and smooshed into my car, the bumper is creased, the radiator was pouring out fluid, the mount for it is mangled, and the air conditioning system components are demolished. It's pretty much totaled, the estimated repair costs = $10k The car did not have collision insurance, but it does have comprehensive which from what I have read in most cases covers deer accidents. So assuming this is covered, my question is in that this is an "act of god/nature" does that enable the insurance company to up my rates? My parents don't want to report the accident and get coverage if its going to up my rates which are already enormous- 17 year old BOY driving a luxury SUV I will post pics tomorrow when I go to the morgue to get my personal belongings out of it. Edit: Comprehensive includes fire, flood, theft, etc Collision is for, well, collisions I read an article that said collision does not cover deer, its comprehensive that does, so a lot of people get screwed, but in this case, I suppose I am lucky. Also, my dad doesn't want to "cause suspicion" by calling hahah.