It appears that you are insured by a bunch of idiots. You should seriously consider putting them on notice of moving your insurance over to another company, one with staff that make sense. It is clear for anyone who had to go through what you went through, your collision was imminent and you had to protect yourself and your passengers against that, which you instinctively tried to do and lost the car in doing so. However, you kept overall control on the situation and this should be considered as someone being in control of a sitution albeit not the car. The insurance probably will not have to disburse the high price of mutilation and casualties on board the jeep! That should be rewarded.
Dump the idiots or at least sue them!
Oh and don't forget to spoil yourself a little on the next vehicle, you certainly deserve it.
[QUOTE=nathantw;516964]I wish I had hit the deer. Rolled the car 3 times. Not only did I lose my car, but it was a "loss of control" accident and got an insurance ding. Hitting the deer would have been "no fault." The good thing is I lived and the deer lived to see another headlight shine in its eyes.