Here's my concept. With each Colorado vehicle registration, add X amount more to the annual bill. The additional funds are kept in a neutral, third-party escrow account. When someone hits an animal that justifies repairs and use of insurance, the person can ask for Y amount of those funds to pay for Z amount of the deductible. I know, there are still questions to be answered. What if the car is from another state? How do you prove you hit the animal that caused the damage. How do you know the escrow account won't be hacked? Will there always be enough money in that account to pay out? The story said 7,000 animals were hit. How many vehicles are registered in Colorado? There's probably a couple more 0s involved. If there are 700,000 vehicles; add $5 per registration; that means you would have money for 14,000 incidents that have a $250 deductible. Is my math right? Paying $5 to cover $250 is a bargain. Maybe it won't work. Maybe the concept will with changes. It's just a thought.