A Bull is Not an Uninsured Motorist

by Reynaldo M.
(San Antonio)


I had a funny situation arise a few years ago. I was driving my son and a couple of his friends on Route 1604 and it was really dark. I didn’t see this big black bull until I was right up on him. He was just sitting in the middle of the road. We hit him so hard that I had to call a tow truck to move my car. I swear to you that bull just got up and walked off. There was blood on the pavement, but the police officer couldn’t track him. We have no idea to this day who that bull belonged to.


Well, before we knew that the bull’s owner would be found, the kids in my car (they were actually grown men) decided that a cattle rancher would have more money to sue for than I did. They started seeing doctors and claiming personal injury straight off. They were spending that money before they saw it. Every one of them gave a recorded statement to my insurance company, which was Allstate at the time; that it was pitch dark, there was nothing I could do to avoid this accident and the black bull sitting in the middle of the highway was at fault. Of course, that was the truth, but I don’t think they would have said so if they knew what was going to happen with their claims.

The bull couldn’t be traced so there was no rancher to sue. Those boys then tried to go after my insurance. They had already given statements that I wasn't at fault, so then they tried to go against my uninsured motorist coverage. However, the Allstate adjuster explained to them that a bull is not a motorist. That’s the key to the uninsured motorist coverage; a motorist has to cause the accident. After their claims got denied, they hired an attorney, but the Allstate adjuster told him the same thing she told those boys: a bull is not an uninsured motorist. Those greedy kids got what they deserved: nothing.

This article is approved for informational purposes and is not intended to take the place of competent local legal counsel.

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