In BC, and maybe in all of Canada, a collision with an animal is covered by comprehensive insurance. A comprehensive claim usually has a lower deductible, and does not carry fault for the driver so there would not be an increase in premium. Fire, theft, being struck by a falling object, the cows eating the paint, etc, would be covered by comprehensive here.

Insurance can be tricky, and is different from jurisdiction to jurisdiction.

Everybody ride safe out there, okay?

H&B
~T~