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What Do I Do If An Animal Attacks My Car?

    5 minute read

    There are numerous calamities that can befall your car besides an auto accident or collision. Common mishaps include theft, vandalism, hail and flooding. You may be surprised to discover that some drivers even have to deal with animal attacks. Depending on where you live, you may experience an animal attacking your car one day. Do you know what to do if this does happen to you?

    What Type of Animal Attacks Cars?

    animal attacks rhino attacks carWe’ve included some shocking images of animals attacking cars simply because they’re interesting to look at. Obviously, you probably won’t have a run in with a rhinoceros or elephant any time soon in the United States. At least, we don’t predict that you will… However, there are some more common animals you may encounter in your lifetime that can cause damage to your car. These animals include deer, coyotes, bees, bears and even dogs.


    bees attacking carImagine parking your car on the street or in an outdoor parking lot while you run some errands, only to come back to your car covered in thousands of bees. Yikes! Unfortunately, it does happen sometimes. So, why do bees swarm on cars? There are a few reasons that bees swarm, like to defend their queen bee, because of swarm intelligence or because they’re looking for a new place for their hive. Regardless of the reason, one day you might find your car covered in the scary little insects. Just check out this man here who accidentally trapped the queen bee in the trunk of his car and found over 10,000 bees swarmed on his trunk.

    Luckily, your car probably won’t be damaged by a swarm of bees. However, if you do ever encounter this unfortunate mishap, the best thing you can do is keep your distance and call some beekeepers. They will safely remove and relocate the bees from your vehicle. Thank you, next.


    animal attacks deerDeer are typically considered docile, shy creatures that run away from harm as opposed to causing it. They also have the unfortunate reputation of always being on the road in the wrong place at the wrong time. However, there are instances in which a deer has actually attacked a vehicle. Every year from October to December, deer go through rutting season. This is their mating season and it’s known to make some bucks, or male deer, more aggressive. The last thing you want to encounter is an angry deer charging after your car, but it happened to this woman and it could happen to you.

    Depending on the situation, a deer could end up damaging your vehicle. Whether you accidentally hit a deer in the middle or the road or a deer becomes aggressive toward your car, your Auto Insurance may cover the damages. To see if you have the right coverage, call an Insurance Specialist at (855) 919-4247. You can also continue reading to learn more about Comprehensive coverage.


    coyote attacking carIn recent years, native coyotes have started losing their fear of residential areas and humans. They attack and prey on small pets in backyards, dig through trash cans and snack on pet food. Coyotes are dangerous and even more so if they’re not afraid of you. So, what would do if one started attacking your car? In Huntersville, South Carolina, a rabid coyote attacked a man’s car while he and his daughter were inside. The coyote charged the bumper of the car before being hunted down by the police and put down. Sounds both scary and sad for everyone and every animal involved.

    Do you think the man had the right Auto Insurance coverage to cover any damages to his bumper caused by the coyote? We sure hope so. He needs it in case of any other animal attacks that can happen where he lives, too.


    animal attacks on carsOne of the largest animals that could potentially attack your car is a bear. If bears are common in your area, then this could be more of a risk than you realize. Some people find bears hanging out in their backyard, climbing fences or even cooling off in their pool. Always keep your distance and do some of your own research about what to do during a bear encounter if you think you could have a run in with one of these dangerous animals. As far as a bear attacking your car goes, one charged this couple’s car in Alaska and it’s a startling sight to behold. Just watch the video for yourself.

    Fortunately, the bear in that instance did not get close enough to the car to do any damage. But, what if it had? A bear like that could have done some serious harm, so it’s smart to have protection like Comprehensive coverage.


    dog attacking carCar chasing is actually a natural behavior for dogs. Their natural instinct is to chase things, whether it’s a car, mailman or bike. You may find a dog chasing your car down the road for no reason other than their natural predatory instincts or even because they just want to play. Hopefully, the owner of the dog isn’t far behind if a dog is chasing your car. But, what do you do if a dog is attacking your car? That’s a different story. Look at this dog who ripped the front bumper off of a cop car.

    If a dog ever does rip a part of your car off, you’re going to want to have Comprehensive Insurance coverage to pay for the repairs. In fact, it’s important to have this coverage for any animal attacks that can happen to your vehicle.

    Comprehensive Insurance Coverage

    image of an elephant pushing a car overAt this point, you may be wondering what Comprehensive Insurance is and what it covers. This type of coverage is optional protection that can be added to your Car Insurance policy. It covers your vehicle if it damages by something other than an auto collision.  This includes, but is not limited to, damage caused by fire, theft, flood, falling objects, vandalism, natural disasters, hitting an animal, and in this case, animal attacks on your car. Because you never know what can happen to you or your vehicle, it’s recommended that you add Comprehensive coverage to your policy.

    It’s important to keep in mind that you will have to pay a deductible before your Comprehensive Insurance pays out. Deductible amounts typically range from $250 to $1,000. In some states, drivers with Comprehensive Insurance are also covered for glass replacement without having to pay a deductible first.

    Speak With An Insurance Specialist

    Comprehensive Insurance is one of the best protections against the unexpected (like animal attacks). If you want to add this coverage to your Auto Insurance policy or have more questions about it, please speak with an Insurance Specialist at (855) 919-4247. They will have all the answers you’re looking for, plus they’ll most likely tell you that Comprehensive coverage only costs you a few extra dollars per month. In other words, it’s totally worth it! Call today or go online here for a free quote.

    The information in this article is obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here. Such policy will be governed by the language contained therein, and no warranty or appropriateness for a specific purpose is expressed or implied.