Animals cause all sorts of damage to vehicles, and not always because someone hits them with their car. Luckily, insurance companies don't discriminate over you hitting an animal or an animal hitting your car
. In cases of damage caused by animals, with the exception of hitting a dead animal in the road, comprehensive coverage
is what you need. This jack-of-all-trades coverage protects drivers from all sorts of hazards, whether parked or while driving, so check to see if this is included on your policy.