Oh deer, I swerved to miss a deer and went into the embankment. My new truck's front bumper and driver side are scratched and the step up is crunched under the truck.

Filed claim over phone with 24-hour claims center which is unable to determine insurance coverage -- hope it is covered under my collision/comprehensive deductable! Whether or not I hit the deer, there would have been damage.

I just hear stories where if no 'blood' can't prove it and so forth. Oh dear!