Who pays for a crash?

[uforgot]

I think California is a no fault state...... a few years ago I hit a deer, I was going 75-80mph and did about $5k worth of damage to my car, and that was covered by my insurance. It wasn't counted as an at-fault accident and I wasn't penalized, rates weren't raised or anything.

I've hit two deer and it didn't raise my insurance and they paid because they consider it "an act of god" and I had full coverage.