A Texas woman is hit with a $1,700 repair bill following an accident involving a cow, as her insurance company refuses to provide coverage.

Three cows standing near a road, with a black and white cow standing in the middle

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After her insurance company refused to provide coverage, she and the authorities are seeking to hold the owner of the cow accountable.

In recent months, Daisy Garcia has observed an alarming increase in loose animals along the roadside. Just the other day, while driving home to Hildago, Texas, she encountered what she initially believed to be a dog and ended up hitting it.

“I heard the sound and I thought it was a dog,” Garcia told KRGV. “I walked out and saw it. I was like, ‘oh, it wasn’t a dog.'” What she hit – and ended up severely damaging the front of her car – was a baby cow.

She reached out to animal control, hoping they would assist the calf, but unfortunately, it succumbed to its injuries.

She is hesitant to drive the car due to her concerns about the significant damage to the front end.

"I rely on my car for commuting to work, going to the gym, and nearly all my daily activities," she mentioned.

The damage caused by the cow to her Malibu carries an astonishing cost.

According to several others who had to have their Chevy Malibu’s front end repaired after a collision, the average cost came to around $1,700 for parts and labor.

In Texas, it is the duty of ranchers to ensure that their animals do not wander onto public roads. According to state laws, the owner of the livestock is liable for any damages caused, particularly in cases where their insurance provider has refused to offer coverage.

“[The cow] was owned by someone,” Garcia stated. “I wasn’t in ‘Grand Theft Auto’ trying to run over the cow… There’s someone accountable for the cow.”

While the police are working to find the cow's owner, she is advising other livestock owners to ensure their animals are kept safe and secure.

"Don't just leave them out there; it might lead to something even more dangerous than what we're facing now. I was fortunate," she remarked.