In and around El Paso, drivers can encounter mule deer on Transmountain, stray livestock in the lower valley, and stray dogs throughout the city. Texas auto policies treat animal strikes uniquely.
Hitting an animal: comprehensive
Striking a deer or other animal is a comprehensive claim under standard Texas policies — not collision. Comprehensive deductibles are often lower than collision.
Swerving to avoid: collision
If you swerve to avoid an animal and hit something else, that's a collision claim. Insurers don't penalize the swerve, but the coverage shifts.
Livestock on open range
Texas remains an open-range state in many counties — meaning livestock owners are not always required to fence animals in. Hitting livestock on an open-range road often leaves the driver with no party to sue, making your comprehensive coverage essential.
After the crash
Pull over safely, call 911 if the animal is injured and in the roadway, and document the damage. For deer strikes on Transmountain, photograph the scene before moving.
Frequently asked questions
Is hitting a deer collision or comprehensive in Texas?
Comprehensive. Collision applies only if you hit another vehicle or fixed object.
What if I swerve and hit a tree?
That's collision, not comprehensive.
Can I sue if I hit livestock on open range?
Usually no in open-range counties. Comprehensive on your own policy is your only recovery.
Does liability cover damage to the animal?
Generally yes if the owner is identified and you're at fault. Most cases involve wild animals with no owner.
Should I report a deer strike to police?
Recommended for the report and for safety — injured deer in the roadway are a major hazard.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.