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My insurance agent when I lived in Texas always recommended hitting the deer.
You hit the deer and damage your car . . . act of God (you had no control over the deer's actions) - No raise in your rates.
You swerve to miss the deer and wind up hitting the guardrail and damage your car . . . failure to maintain control of your vehicle - Raise in rates.
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One of the lowest PPD of any of the original members of the Planet . . . and proud of it.
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