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Message: <blockquote data-quote="SoonerP226" data-source="post: 2194712" data-attributes="member: 26737">If you have comprehensive or collision, you should only be out the deductible (not counting incidental expenses, like paying for alternate transportation). And you'd be surprised at the damage a raccoon can do when you hit it at 75mph on the turnpike--$2500 in damages, and the car was still drivable. In fact, I drove it for the next three months while I got my alternative transportation lined up (read "repaired").</blockquote>