JD wrote that he had his insurance doubled after he avoided a deer but
damaged the vehicle.  I went through the same thing with my insurance
company.  I managed to avoid hitting a guy that cut me off by climbing a
center divider and taking out a street sign with my '90 Westy.  The
insurance company told me bluntly that if I had hit the guy it would
have shown that he cut me off but otherwise it would go into the record
as 'At Fault'.  They changed their minds and changed it to 'Not at
Fault' after I provided a copy of the police report that said it was the
other guys fault.  I even collected my deductible from his insurance
company.  If he hadn't stopped and could be identified, I'd have been
SOL.  Now I have Volkscafe bumpers and the next little mini pickup that
cuts me off just may get creamed.  And when furry things run in front of
you, don't risk life, limb, and equipment by going into the ditch or
worse.  When it comes to quick maneuvers the Vanagon is just to damn big
and heavy.