Most, if not all, insurance companies want a report before paying out a claim in cases like this. And maybe the deer was left in the road, the driver thought it needed to be removed before someone else had a wreck? Maybe she needed a wrecker also. Glad your wife is ok. Around here the deer are thick on the roads during certain times of the day/year. I had a small fawn running down the road in front of me before he finally went into woods. My son was sitting at a stop sign when a big buck jumped a fence hit the side of his truck, rolled around and shattered driver side window with antlers. Put some pretty good side dents in the truck.