Accidents with deer, hares or foxes occur more often than they do with giraffes. Partial auto physical damage insurance covers all costs arising from accidents involving these animals. However, if you crash into a horse or a sheep while driving, you might not be covered. This is what a 30-year-old man discovered when a runaway kangaroo jumped in front of his car - not in Australia, but in Oberpfalz (the Upper Palatinate region of Bavaria). The marsupial had escaped from a pet shop owner, who hadn't managed to catch him. The animal was on the run - and then bounced straight into the path of the car. The animal escaped, shaken but unharmed, but the car wasn't so lucky: the incident was a fender bender.