The Answer
Largely, yes. Michigan's no-fault law doesn't require a collision with another vehicle to trigger coverage. If you hit a deer and were injured, your own no-fault policy should generally cover medical expenses and wage loss just as it would in a typical crash.
A few nuances to know:
- Vehicle damage from a deer strike is typically handled through comprehensive coverage, not no-fault, so check your policy structure
- Serious injuries may still allow a claim beyond no-fault benefits in limited circumstances
- Reporting the incident properly matters for both injury and vehicle damage claims
Deer strikes are common across Michigan, especially in fall months, and the injuries can be more serious than people expect from a "just an animal" accident.
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