A coworker of mine once hit a deer on the way to work, taking out the right front quarter panel of her car. She had it to the shop and squared it away with her insurance, and was able to drive home that day. On the way home she hit another deer which took out the left quarter panel, grill, and hood, necessitating a separate claim since she'd been so speedy with the first one. She wasn't so happy when she saw her premium increases, as they counted as separate incidents, but boy over the years we've gotten a lot of teasing mileage out of that one day.