What personal Auto coverage would pay for damages to a covered auto caused by a collision with a deer?

The correct choice is comprehensive coverage, often referred to as "other than collision." This type of coverage is specifically designed to address damages that occur to a vehicle due to non-collision events, which includes incidents such as hitting an animal, theft, vandalism, or natural disasters.

When a driver collides with a deer, the damage incurred is not the result of a traditional collision with another vehicle but rather an encounter with wildlife. Comprehensive coverage is intended to help policyholders cover these unforeseen circumstances. Therefore, if a covered vehicle sustains damage from hitting a deer, comprehensive coverage would be the appropriate policy provision to utilize for filing a claim.

Liability coverage, in contrast, covers damages or injuries that the insured causes to another party in an accident but does not provide protection for damages to the insured's own vehicle. Collision coverage would apply in a situation where the vehicle collides with another vehicle or object, but it does not extend to animal strikes. Medical payments coverage is focused on covering medical expenses of the insured or passengers following an accident, again not addressing damages to the vehicle itself. Thus, comprehensive coverage is the only option that suitably addresses the scenario of a vehicle being damaged by a deer.