Obviously, you can’t sue the animal that dashes out in front of you and causes you to wreck your car. However, if the owner of the animal negligently let the animal roam free and into the roadway, you do have a claim against the owner. So, if a cow or a horse wanders into the path of your vehicle and you hit it, tearing up your car and injuring you, you can sue the owner and his homeowner’s insurance. Unfortunately, wildlife such as deer, have no owners so there is no responsible party from whom you can collect.
If you have included “comprehensive coverage” in your insurance policy, your insurance will take care of the damage to your car. Since its not your fault, your insurance rates won’t go up. Unfortunately, in this situation, you will not be able to collect for pain and suffering if you suffer an injury from hitting a wild animal.
If you were in a Tennessee or Georgia car accident with an animal or just a regular person, call us at (423) 892-5533. We can help, even if you don’t hire us.