Question for my husband, so I don't know all details yet.
My husband was on a business trip in Northern Europe in a fairly remote area. This work required driving on gravel roads through the woods often well after dark.
So, he hit a deer. The accident caused damage to the car bumper, and the insurance deductible turns out is almost $1000. I don't think this is our normal insurance, I think it's the rental company's insurance.
Who pays this deductible? I suppose my husband, because he hit the deer. But at the same time, the deer wasn't an easily foreseeable problem (and they're so unpredictable) and he wouldn't have hit the deer if he didn't go on a business trip in the middle of nowhere. Obviously it isn't a negligible amount of money.