An insured hits a deer and crashes into a tree. How will the $6,000 damage be covered?

When an insured hits a deer and subsequently crashes into a tree, the coverage for the resulting $6,000 damage falls under comprehensive coverage. This scenario involves hitting an animal, which is classified as an event that is not a collision with another vehicle. Comprehensive coverage is designed to protect against damages caused by incidents like animal strikes, theft, vandalism, or natural disasters.

In this case, the situation involves two facets: the initial impact with the deer and the resulting crash into the tree. The damage incurred from hitting the deer is covered by comprehensive coverage because it’s considered an incident that occurs from an external factor, rather than a direct collision with another vehicle.

Other coverage options, such as collision, would only apply if the damage was sustained by colliding with another vehicle or a stationary object that is not defined as an animal. Liability coverage, on the other hand, protects against claims made by other parties for damage or injury caused by the insured, and would not apply here since the insured is the one sustaining the damage, not causing it to another party. Thus, comprehensive coverage is clearly the appropriate choice in coverage for this situation.