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@jjmcubbin Needs more specifics - how was the car actually damaged? Doesn't say he hit the deer, doesn't say he hit anything else, doesn't say he rolled the car. Doesn't say what sort of damage it is, safety glass or body or mechanical. He swerved so hard he broke a tie rod end without...

@seena Your past experience with your car is different, home and auto often have very different exclusions. Excluding rodent damage is very common for homeowners coverage.