Deer strike.

[emptysea]

Veech....I'm an insurance agent. Trust me when I say that it makes no difference if you hit the deer or the deer ran in front of you. The person that told you that was not firing on all cylinders. Now, filing a police report DOES help convince an insurance company that you hit an animal as opposed to, say, a telephone pole and there is a difference between how each of those claims are settled and how they could impact your future insurance rates. However, a police report is not necessary either with most companies; it's just very helpful to the process.