Your absolutely right Bill, it can get very nasty.
My daughter wasn't hurt at all when she hit & killed a deer 2 years ago doing about 40 MPH, but her car received $7000 damage.
It banged in the bumper, hood, both front fenders, cracked the windshield, dented the roof and then the trunk before landing on the road behind her.
Nope, nothing funny about it at all.