Does Car Insurance Cover Hitting a Dog

See whether striking a dog is covered by car insurance. Facing unforeseen animal-related occurrences while driving requires an understanding of coverage intricacies.
Does Car Insurance Cover Hitting a Dog
Does Car Insurance Cover Hitting a Dog
In this article, we delve into the specifics of car insurance policies to address the crucial question: Does car insurance cover hitting a dog? Understanding coverage nuances can help drivers make informed decisions and handle such situations with clarity and peace of mind.
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Knowing the ins and outs of car insurance can be challenging, mainly when unexpected events occur on the road. One such situation that raises questions for many drivers is the unfortunate event of hitting a dog while driving. Does Car Insurance Cover Hitting a Dog? While the primary concern is the animal’s well-being, it’s only natural for individuals to wonder about the financial implications and whether their car insurance provides coverage in such circumstances.

Have You Updated to Comprehensive Car Insurance to Safeguard Against Hitting a Dog?

Comprehensive car insurance helps cover damages from collisions with animals, including dogs. Residing in regions abundant with wildlife traversing roadways prompts thoughtful consideration of insurance coverage. You can enhance your protection by upgrading to comprehensive coverage. It is a strategic move to safeguard against substantial vehicle repair expenses in the event of an animal impact.

What Should You Do If You Hit A Dog While Driving?

Here are a few things that you can do if you hit a dog while driving:

  • Check on the Dog: Approach the scene carefully and assess the dog’s condition. Remember that injured animals may be frightened, so approach cautiously and avoid sudden movements.
  • Contact Animal Control or the Local Authorities: Notify the local animal control or authorities about the incident. They can guide you in handling the situation.
  • Notify the Dog Owner if Possible: If the dog has identification tags or is microchipped, attempt to contact the owner. Please provide them with information about the incident.
  • Contact Your Insurance Company: Report the incident immediately to your car insurance company. They can guide you through the claims process and provide information on coverage for vehicle damage and potential veterinary bills.

How Does Car Insurance Cover Hitting A Dog?

Comprehensive coverage extends financial protection when your vehicle sustains damage from an accident with an animal, such as a dog. After filing a claim, you’re responsible for your car insurance deductible, and the insurer covers the remaining repair expenses.

 Additionally, your insurance company might contact the dog owner, seeking reimbursement through their homeowner’s insurance if negligence is established. This typically applies when the pet owner fails to control their dog during the incident, emphasizing the importance of responsible pet ownership.

What are the types of car insurance that cover hitting an animal?

Comprehensive car insurance typically covers collisions with animals, providing financial protection for vehicle damages resulting from such incidents. However, if it’s your fault and you collide with an animal, insurance does not cover it. 

Which Animals Do You Have To Report If You Hit Them?

If you strike a domestic animal, such as a dog or cat, you are required by law in many jurisdictions to stop and report the incident to the police or local authorities. Failing to do so may lead to animal cruelty charges or neglect to inform property owners about the damage incurred. Adhering to these legal obligations is essential to avoid potential legal consequences.

Will Insurance Cover Vet Bills If I Hit A Pet?

Much like the responsibility for vehicle repairs, you typically won’t be held accountable for vet bills resulting from the accident. In such cases, the pet owner assumes responsibility for expenses related to their pet being loose, covering veterinary costs for any injuries incurred. However, if your driver is held liable for harming a domestic animal, your liability coverage may cover the associated vet bills.

If I Hit A Dog With My Car, Who Pays For The Dog’s Injuries?

The responsibility for covering a dog’s injuries after a car accident varies. If the dog’s owner can be identified, their homeowners’ insurance may cover veterinary expenses. If you are deemed liable, your car insurance liability coverage might also contribute to covering the dog’s injuries.

What Happens If The Dog Dies?

In cases where a loose dog is involved, if the owner is found negligent, you’re typically not responsible for the accident or any costs related to the dog’s end-of-life care or burial. However, if you’re deemed responsible due to factors like driving under the influence or intentional harm, you may be liable for compensation to the owners. Insurers often exclude coverage for intentional damage, meaning you may need to cover vet bills, end-of-life care, or burial costs yourself in such situations.

What Happens If My Dog Was Hit By A Car?

If your dog is hit by a car, you have limited recourse against the driver unless it was intentional or reckless. However, if your dog was running loose, you may be deemed negligent, making you responsible for vet bills and end-of-life costs. Moreover, your homeowner’s insurance may cover the repair costs for the vehicle that hit your dog.

What Takes Place If A Pet Is in the Car in an Accident?

The following factors determine whether a pet’s injuries are covered in the case of an accident:

If You’re The At-fault Driver:

  • Your collision coverage may cover vet expenses for your pet if specified in your policy.
  • Consider adding a pet coverage endorsement to your existing collision and comprehensive coverage.
  • Alternatively, a separate pet insurance policy ensures care for your pet, regardless of fault.

If You’re Not At Fault:

  • Insurance companies consider pets as property.
  • The other party’s property damage coverage (part of liability) typically covers medical care for your pet.
  • File a claim with the at-fault party’s insurance for payment or reimbursement.
  • Note that minimum liability coverage may sometimes not cover all expenses.

Which Car Insurance Providers Cover Pet Injuries?

Car insurance companies that offer pet injury coverage may vary. However, some insurance providers known to offer pet injury coverage include:

1. Nationwide

Does Car Insurance Cover Hitting a Dog - National wide

Nationwide offers pet injury coverage as part of its collision insurance.

2. Progressive

Does Car Insurance Cover Hitting a Dog - Progressive

Progressive provides coverage for pet injuries as part of its collision coverage. Damages and vet bills up to $1,000 are covered.

3. The Hanover

Does Car Insurance Cover Hitting a Dog - Hanover

The Hanover is known to offer pet injury coverage as part of its comprehensive insurance options. If your pet gets injured in a road accident, it pays up to $2,500 in medical and funeral expenses. 

4. Erie Insurance

Does Car Insurance Cover Hitting a Dog - Erie insurance

Erie Insurance is recognized for including pet injury coverage within its collision and comprehensive policies. A maximum of $1,000 in associated medical expenses is covered per cat or dog.

5. Integon

Does Car Insurance Cover Hitting a Dog - Integon

Integon, part of National General Insurance, offers pet injury coverage. Regardless of the number of pets concerned, Integon reimburses up to $1,000 per incident of pet injury.

6. Metromile

Does Car Insurance Cover Hitting a Dog - metromile

Metromile is known for its usage-based insurance model. If your pet is hurt or killed in a mishap, it pays up to $1,000 for medical expenses.

7. The Hartford

Does Car Insurance Cover Hitting a Dog - The hartoford

Hartford is recognized for providing pet injury coverage as part of its auto insurance policies.

What happens if the dog dies?

Dog owner is usually responsible: If a dog is running loose and causes an accident, the owner is typically considered negligent.

You’re not liable: This means you won’t be held financially responsible for the dog’s injuries or death. Exceptions: You could be liable if :

  • You were driving under the influence.
  • You intentionally swerved to hit the dog.
  • Your insurance might not cover intentional damage.

Who Needs Dog Accident Insurance?

Dog accident insurance is necessary for pet owners with active lifestyles, energetic or giant breeds, curious puppies, and those living in high-risk areas. It provides crucial financial protection for unexpected veterinary expenses, ensuring that pet parents can focus on their dog’s well-being without worrying about the costs. 

Whether you’re an avid adventurer, a family with a playful pup, or simply seeking peace of mind, dog accident insurance is a compassionate and practical choice for all responsible pet owners.


Whether car insurance covers hitting a dog is crucial for every driver and pet owner. Comprehensive coverage often provides financial protection for vehicle repairs in such unfortunate events. Comprehending the specific terms of your insurance policy, including coverage for veterinary expenses, is essential. Responsible driving, coupled with comprehensive insurance awareness, ensures a smoother resolution when faced with the unexpected challenge of hitting a dog on the road.


Is striking a dog covered by auto insurance?

It’s essential to comprehend your policies. Protection is frequently a part of comprehensive coverage, but checking your particular terms is essential.

How can I improve my coverage when I strike a dog?

Think about switching to comprehensive auto insurance. This calculated action protects against high repair costs from encounters with animals.

Are there any standard policies that prohibit hitting animals?

Check for particular limitations, even if striking animals are usually covered with comprehensive coverage. Understanding the specifics of your insurance is essential to guaranteeing complete protection.

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Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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