Depends a lot on the vehicle, the driver, circumstances, deer ... I guess. I hope my gunnels will rip off before/as the ropes broke, hood crinkled and airbags popped. On the bright side that could slow that mass down enough to prevent entry to the passenger compartment.

Watch Study the shoulders for eyes dusk and dawn - especially after seeing "jumping deer" and "charging moose" signs.

What sort of policy or even rider returns a new canoe? Market value replacement? Fine. New canoe? What an I missing???