The relevant test in this report simulated a single-vehicle impact. The best insurance policy against kangaroos/deer is a modern, safe vehicle with crumple zones (and, y'know, an actual insurance policy that you'll live to collect).

A problem with hitting a deer, especially in a car, is that the bulk of body mass is sitting just above hood level and will therefore impact directly on and then through the windshield at the driver. Crumple zones won't matter.

On sedans, sure. At least where I live, sedans are in the minority. You’d have to find a good sized buck to worry about that on the average suv.

Moose