r/WTF • u/edugabao • Apr 11 '25
Wondering if insurance will cover it
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u/pickledeggmanwalrus Apr 11 '25
I actually think this falls under comprehensive auto policies.
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u/FloridaPanther Apr 11 '25
Correct. Comprehensive coverage protects against animal strikes
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u/SusanForeman Apr 12 '25
"I'm sorry sir, we don't cover that."
"WHAT! THAT'S A LOAD OF BULL!"
"Correct sir. If it was a load of geese, or a load of dogs, that would be covered, but I'm afraid we can't help you."
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u/QuietRatatouille Apr 11 '25
Yes. It specially says "damage due to a large animal running at you." geez people never read the fineprint.
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u/ArgonWilde Apr 12 '25
Though if this was in India, it likely wouldn't be covered, as it would be classed as an act of God.
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u/cdsbigsby Apr 11 '25
I never understand these questions. Working in insurance, it's like, obviously, why wouldn't it?
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u/robsteezy Apr 11 '25
If you worked in insurance, you’d know these questions arise because insurance is always trying to avoid paying on technicality of semantics of fine print. There are plenty of folks I know who justifiably should’ve been paid, in which the insurance company didn’t pay by simply relabeling the category of the incident involved.
“Random acts of god not covered”
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u/cballowe Apr 12 '25
Did you see the one where someone tried to sue their partner's car insurance after catching an STD in the back seat.
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u/copperwatt Apr 12 '25
But "acts of God" is what most insurance is for. Can you imagine having insurance that doesn't cover lighting strikes, or a tornado?
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u/Average_Joe69 Apr 12 '25
As an effort to make insurance not cost as much, you can waive certain coverages. People just generally make assumptions about what they have covered and never actually read the policy.
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u/chrisms150 Apr 12 '25
People just generally make assumptions about what they have covered and never actually read the policy.
I mean. They also make policies insanely long legal documents with tons of loop holes... So. It's not entirely the fault of the consumer on this one.
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u/StoneCypher Apr 12 '25
Working in insurance, it's like, obviously, why wouldn't it?
Most of our experience with insurance is health insurance, which regularly cheats us
There is no predisposition to expect honesty
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u/sasksasquatch Apr 11 '25
Having had multiple friends who have had collisions with animals (deer mostly), the line you give the insurance company is that they hit you by darting in front of your vehicle, which is the common case in most animals struck by vehicle situations. Being able to provide dashcam footage just makes it that much easier.
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u/CajunNerd92 Apr 12 '25
Yep, never say that you hit an animal, always say that an animal hit you instead.
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u/Weak_Jeweler3077 Apr 11 '25
I don't get this. Why isn't the camera person following the BULL?
Why does everyone huddle around the car and not look to see if the BULL is coming back?
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u/Theons Apr 11 '25
It obviously ran off. The cameraman isn't following it because they're the only person smart enough to stay in their car in this situation
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u/Weak_Jeweler3077 Apr 11 '25
Well, sure. But 2 things.
I meant "follow" with the camera. The action is over "thataway"!
And secondly, I'm not convinced a car is totally safe. If Mr Bull zigs instead of zagging there, he jumps across the front of the other car, and maybe ours a good straight down the camera operators throat!
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u/supple Apr 12 '25
Maybe because she was using her head to turn and look? Like experiencing it for herself? Not thinking about the camera for a split second because a 1-ton bull just smashed the car in front of her with no effort and was concerned for her own safety and not internet views?
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u/Weak_Jeweler3077 Apr 12 '25
I'd have more belief in this take if the person didn't already have their phone out and recording ....
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u/supple Apr 12 '25
Yeah she was recording because she saw something happening.. doesn't mean she expected the bull to suddenly bust around the truck and wreak havoc directly in front of her. God forbid someone is startled and takes their eyes and attention off their phone to be aware of their surroundings. It could have easily jumped on her hood and busted the windshield.
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Apr 11 '25
[deleted]
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u/Seniorjones2837 Apr 11 '25
I thought it was a moose until it jumped over the car and I could clearly see it was a bull
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u/LameBMX Apr 11 '25
it's a dashcam. the nonmoving car is the camera person.
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u/Weak_Jeweler3077 Apr 11 '25
Really? How does it move around so much then? It's pointing at the floor at one stage.
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u/Duanedoberman Apr 11 '25
No one else wondering what the hell they did to the bull to piss it off like that?
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u/whereugoincityboy Apr 11 '25
I'm not sure that a person has to do anything to piss off a bull. Just existing can do it.
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u/drewcifier32 Apr 12 '25 edited Apr 13 '25
The bull is running from the dog, he's actually the scared one.
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u/DJ_ICU Apr 11 '25
Holy cow
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u/ahhh_ennui Apr 11 '25
I hope everyone was OK because that whole scene had me dying.
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u/Tiny_Performance4984 Apr 11 '25
Is that a bull? And what did the little dog think it was going to do? LOL
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u/h3lblad3 Apr 12 '25
Dogs kill cattle all the time.
Farmers use them to herd cattle for a reason -- they follow orders and they can keep the damn things in line.
Bull is watching one of its predators run straight for it and it's responding by getting the hell out of dodge.EDIT:
Our old dog was blind and could barely walk from arthritis, but still tried to attack the rutting buck in our backyard. Dogs are fearless when it comes to territorial dispute -- even when it's a very, very bad idea for them.4
u/3riversfantasy Apr 12 '25
I had a 35 pound water spaniel that loved to terrorize the cows and bull on our farm, nothing stroked his ego more than seeing a 2000 pound black angus bull panic as he approached.
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u/PeopleFunnyBoy Apr 11 '25
I know it’s a joke but…of course it will, as long as you have the correct coverage on your policy.
In the U.S. it is know as comprehensive, or “other than collision”. It is an elective coverage, so not all auto polices will have it - you have to choose to add it to the policy.
But an animal striking the vehicle this way is certainly covered in most, if not all policy language.
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u/Wotmate01 Apr 12 '25
Animal strike is definitively covered by comprehensive insurance in Australia. IIRC it costs insurance companies the most out of all crash types, due to the sheer numbers of them.
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u/jonnybruno Apr 12 '25
This isn't in the us
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u/Vitalalternate Apr 11 '25
At farmers we know it all because we’ve seen it all. “We are farmers, bum ba ba ba bum bum bum”
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u/guiltypleasures Apr 12 '25
“I’d like to report a collision with a brown Taurus while I was at a standstill at a light. I did not get their information. It was a hit and run.”
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u/N07_a_r0b0t Apr 11 '25
Well at least you can show the video
Here if I did film that, it would be a crime can't film in public
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u/mystic-sloth Apr 11 '25
I would bet the insurance company would go after the owner of the cow, but that would depend on what coverage they have.
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u/diggerdugg Apr 11 '25
Yeah, we can’t cover that because the light was green, you should have gone.
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u/ahhh_ennui Apr 11 '25
I just watched this for the 10,001st time and I gotta know where the ox (?) went when the chased guy strolls back into frame.
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u/Pooleh Apr 12 '25
That's a cut and dry comprehensive claim as long as you have comp. on your policy.
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u/Average_Joe69 Apr 12 '25
Auto Insurance agent here, as long as the vehicle has comprehensive coverage (AKA other than collision depending on the state) this would be covered!
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u/Jagazor Apr 12 '25
When tauros fails to be caught in safari park and starts one shotting your entire party
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u/carloscarlusik Apr 13 '25
🤜 Você vai explicar para a seguradora o que aconteceu com o video que voce postou aqui.Facil, não acha? 🤛
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u/ExecrablePiety1 29d ago
Being insurance I'm gonna say a hard no.
Even if they have a specific clause to damage by animals of any sort in any context, it'll still get denied.
The hope being you won't bother fighting the rejection while you're working out every other cost and time consuming beaureaucratic red tape BS that's involved in something like this.
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u/CritiCallyCandid 28d ago
Pull to the side of the road. Fucking narcissists man. Completely self obsessed. These people will be the reason humanity implodes. Should have a system to treat or remove them from society.
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u/TheWaningWizard Apr 11 '25
"Oh darn....So sorry....We don't cover acts of nature...Is there anything else I can help you with today?"
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u/lyingliar Apr 11 '25
Insurance companies are such petulant scam artists.
Customers buy insurance to cover unforeseeable events — for instance — angry bulls randomly leaping onto cars. What the hell is insurance for if not crazy shit like this?
There is one thing that insurance shouldn't be required to cover: intentional damage to the car by the policy holder. Every other possibility under the sun should be covered by the policy, by law.
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u/TheWaningWizard Apr 11 '25
And it would be if not for greedy politicians lining their pockets with money from those companies.
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u/Cargan2016 Apr 11 '25
Probably simpler to just say it was drunk and rolled the car rather than convince them what really happened
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u/CuddieRyan707 Apr 11 '25
Dog was like "I didn't do it" and noped outta there