I hit a deer with my wifes brand new 2004 Xterra. The insurance company took care of everything, no dedcuctable and did not count as an accident.Maybe that is just in Florida. I was so glad when she traded it in for a 2011 Camsro SS/RS Vert. Best thing was the sales guy were so anxious to close us fast they neve pulled the car fax report. It was a Yellow Xtera also know as th "short bus". Glad we upgraded.