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Isn't that good news for those with teenage drivers who just might happen to let one of their friends "borrow" the car they are using despite it being in your name. Kids do the darndest things and you can end up with the darndest lawsuits.
If you advised the insurer of the animal residing at your premises - they may or may not have advised you they will not cover damages from said animal.
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https://www.fox2detroit.com/news/why-a-jeep-owner-is-sued-after-dealership-employee-was-killed-during-oil-change?source=patrick.net