Local sheriff some years back had an iron clad policy that any damage to a patrol car was preventable, the officer's fault, and cost three days pay. A friend was coming down an icy hill in the worst possible and saw a cow in the middle of the road. Pete tapped the brakes, fought the skid, slid all the way down the hill, wound up stopped broadside, just touching the cow.
No damage done.
The cow then kicked an enormous dent in the rear fender.
Three days pay.