My wife hit a coyote on the road coming home from work, about four AM. She's fine!
Messed up the front of her car. It is still drivable, though.
Now a body shop to do the work, scheduling with which has already proven problematic.
We have paid for $$Zero deductable in comprehensive coverage, so no out of pocket, but she can't be without a car for ten days.
We will have to rent a car to get us by while her car is in the shop.