A recent incident has occurred in Japan involving a collision between a car and a bear, resulting in damage to both parties. Now, the question centers around the insurance coverage for such unusual accidents. While rare, these collisions can test the limits of insurance policy boundaries and raise questions about coexistence with wildlife in urban areas.

In Japan, encounters between wildlife and humans are not uncommon due to the country's dense population and proximity to natural habitats. The issue of insurance coverage in such incidents is a source of widespread curiosity and concern. Moreover, coexistence with wildlife and attempts to reduce such accidents are vital social issues.

In the U.S. and EU, wildlife collisions are also a matter of concern. They are generally covered by comprehensive insurance rather than collision insurance. In some regions, efforts are underway to reduce these incidents, pioneer animal-friendly infrastructure, and encourage a harmonious coexistence between humans and wildlife.