I would venture to say you are probably way more cautious than the average. I can't believe that you can ignore the plain facts like NOBODY slows down one iota in the Caution Deer Crossinig posted areas! You seriously think that is a "wild" speculation?? Or that people drive 140 kph in the early darkness when deer start to move around? I'd say you've made a wild denial of reality on our roads. And you know very well that when NOBODY admits to fault for hitting deer that there is a strong odour of bs in the air. You also cling to your one-sided account of your deer collisions. There are always exceptions to any rule and of course there would be an appeal mechanism for the refusal to pay out for deer and moose collisions after the 1 lifetime limit.