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Bernard is driving late at night down a narrow road when a deer runs across the road. Bernard doesn't have time to avoid the deer

Bernard is driving late at night down a narrow road when a deer runs across the road. Bernard doesn't have time to avoid the deer and hits it. His windshield gets smashed and his bumper is partially ripped off, but Bernard is okay. What type(s) of insurance could Bernard use to cover this accident?

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