On 12/01/2019 05:51 PM, Frank wrote:

I had experience of insurance company not requiring one when a deer ran
into me. But, last year they said it was a good idea when I had a hit
and run parked somewhere. I did not even pick up the dented fender for
a couple of days as it was on the passengers side. Police were very
nice in coming to my house to write it up.

I never bothered having the damage fixed but after the deer attempted
suicide by jumping on my hood he fled the scene.