A collision with a wild animal.
No one can be held liable for the actions of a deer, raccoon, or other wild animal. However, you may be able to secure payment for your vehicle damage and medical costs from your own insurance company if you have purchased comprehensive insurance coverage.
A result of swerving around an animal and striking an object.
If a near-miss resulted in a collision with a tree, fence, guardrail, or other stationary object, recovery will depend on whether the animal was wild or domesticated. If the animal had an owner, the victim may recover payment through the owner’s homeowner's insurance or other liability policy. If the animal was wild, the driver may be able to file a claim with his insurer under a comprehensive or UM policy.
