Not sure how a dog would be handled. Pretty sure it would fall under property, but might have some extra legalese around it. The it I was referring to in this case was the car. The bear was very unlikely to survive, but it did in fact scamper off. If you recall I said it sounded like I hit a bunch of cinder blocks. Well I got out and went back to try to see if the other driver was alright. Never saw anything in the road. The state troopers didn’t see anything either. The first driver that hit it said it must have been about a 500lb black bear.

Fun fact if you hit a living animal in the road it would only be covered under comprehensive insurance. If you hit something like a bear, just to use a completely random animal, because that bear had already been hit by another car (possibly as little as mere minutes before), then it’s covered under collision insurance. Ask me how I know.

I can confirm that hitting large objects can sound like hitting straight concrete or cement. I hit a black bear one night when I was going about 70mph on the freeway. Would have sworn some truck lost a load of cinder blocks or something. There was at least one fur tuft on my car.