So the assessment has come back on the car-deer altercation, and it's not good. I need two front fenders and a rear passenger side quarterpanel, where the deer ran into me a second time out of stupidity or revenge, either or. I've got $1000 deductible on my insurance because I'm an idiot and never thought I'd actually need to make a claim. Or I can trade my car in and pay off my loan in full and have an extra $500 toward a down payment + whatever I get for a tax refund. Impulsive, shallow Brenda wants to say screw it all and just buy a new car. Practical Brenda knows that that's a stupid idea and I should just live with the dents & cracks. I have a 2001 Volvo S40, with 102K miles on it. It's due for a new timing belt in 3K miles, but it runs perfectly. Gahhhhhhhh.......