Update:
After getting the car home following last night's deer strike, I parked it and sent an e-mail to my insurance agent. The cop assured me that my comprehensive insurance would either cover the repair or they'd total the car. In the morning, I got a reply from the agent and she said that she would file a claim and that I shouldn't do any repair work until the adjuster sees the car.
Later in the day, the insurance agent sent me a second e-mail, indicating that her records had shown that she and my wife had exchanged several e-mails earlier in the year and, as of June 30, my wife had dropped the comprehensive coverage on this particular car only, saving us $32 annually. My wife and I discussed this little turn of events extensively over the course of the evening. Perhaps you were outside of your home and overheard part of our conversation.
I was now free to begin repairs at my own expense. Keep in mind that I had listed this car on Craigslist two days ago and turned down an offer of $3500 later the same day.
Removal of the fender and headlight assembly were fairly straightforward.
Fortunately, there was no structural damage.
I reinstalled the headlight assembly and adjusted it. I was even able to re-use the headlight itself. I only need to replace the fender, headlight cover and plastic trim, and the plastic inner fender liner. The parts car that I have been using is the same color and was hit on the opposite side, so it looks like another trip to the junkyard and about $200 will get me back together again.
Then, it's back to Craigslist.
