Zeke hit a $10-$point buck while driving home from work. He sustained no personal injuries, but the damage to his vehicle was $$3,400.$ The buck was launched by Zeke's vehicle into oncoming traffic, causing $$5,000$ in damage to a passing BMW X$5.$ He was not allowed to process the deer for sausage. His auto insurance coverage includes collision and comprehensive and his liability limits are $$250,000/$$$500,000/$$$100,000.$ His deductible is $$1,000.$

What type of insurance is needed?

What is the financial impact of this event?

What should his next steps be$?$