https://www.finder.com/car-insurance/do ... -an-animalHitting an animal is generally considered a not-at-fault accident that’s paid for under your comprehensive coverage.
It would seem that the OP's problem is that the insurance company thinks he's lying about how the damage was incurred so they won't cover it under comprehensive.
http://hawkins-hawkins.com/2018/02/05/h ... nce-claim/You shouldn't wait to report your accident after you have hit a raccoon. Notifying your insurance agent immediately will help you get the ball rolling when it comes to filing a claim.
You will also be able to establish a clear incident date, eliminating the likelihood that your auto insurance company will try to attribute the damage sustained during a raccoon hit to another non-covered driving incident.
Did the OP report the incident in a timely manner? What are the circumstances that led to the original claim being denied?
But, even so, the insurance company might be a bigger problem than the incident. Progressive Insurance Co.
https://ranwhenparked.net/can-hitting-a ... -your-car/Insurance Battles:
If our insurance policy covers animal collisions, our insurance company may cover the repairs, or we might be filing a comprehensive claim. But remember, going head-to-head with an insurance provider can be like dodging wild animals on the racetrack. Keep those documents at the ready, and be sure to record every detail. It’s about steering through the fine print and not just the potholes on the road.
Statistics: Posted by RationalWalk — Sat Sep 14, 2024 10:34 am