When I was younger I borrowed my parents 22' Delta party machine all the time. They didn't mind, since it always came back in BETTER shape than when I took it. Usually because something would go bad (like a fresh water pump, 2 tires, propane regulator, 2 fan belts) when I was using it and I'd fix it. AND clean it up. They got top dollar for it BECAUSE I borrowed it.
Funny thing though, I'm not so fast to borrow MY stuff out!
And about hitting deer-- been there done that, in our '92 Winnie Brave, on the way to Yellowstone. Was towing my Goldwing on a trailer. We left Cokeville Wyoming after getting gas about 11 pm, and for the next 20 miles we almost hit 5 deer before getting one of two more that ran out in front of us. I was going about 50 mph, and started the left front tire skidding just about the point of impact. You can make out the deer just to the right of the sign, knocked him quite a ways...
Hit the thing in Wyoming, knocked it clear into Idaho. And as you can see, I didn't kill her, but she couldn't move A passerby took care of her...
Here's what it did--
The impact also knocked the other 2 headlights way outta whack. I spent nearly an hour just figuring out how to hold them in place and aim them good enough so I could drive! But we did make it to a campground not too far away.
Now, what I DID NOT DO was attempt to swerve and miss the thing! I just did the "oh CRAP" thing and stopped as fast as I could. The damage wasn't all that bad, mostly it just 'repositioned' the front cap. Had I swerved, it's likely I could've lost the Goldwing, or rolled the motorhome. Also, I vividly remember looking DOWN at the deer as we hit it. I don't know if it was even possible for it to somehow get high enough to hit the windshield.
Swerving to miss stuff, no matter WHAT you're driving, is a good way to lose control and cause substantial damage to yourself and others.
And finally, if I remember correctly, the repair bill to fix it was $2300... A far cry from $15,000!