Jbra's right. If you hit the deer, it's a comp (comprehensive coverage) loss. If you miss and go into the ditch and hit a fence, tree, etc., or roll it, then it's a collision coverage loss.

Comprehensive coverage usually has a lower deductible and those losses don't usually count against you as far as getting your rates raised. If you avoid it and hit the ditch, it will be an AT-FAULT collision loss and your rates will likely go up.

The main thing is that you're ok, though. Sorry about your car, though.