Getting hit with divorce papers or a law suit of some other kind is a much bigger worry.
Birdstrike.
Mine was a seagull that I hit on short final, doing about 70 knots at the time.
Completely deformed the leading edge between the two outmost ribs (PA28). Couldn't believe the damage it did.
Nose down, add a touch more power because a deformation like that sure isn't going to decrease the stall speed, and landed safely. Repairs to the plane took three weeks.