Try explaining that to your insurance company!
Our hunting club received an enquiry from an insurance company recently demanding we report if any hunts have taken place on our lease because someone hit a deer on the road and they assume it is our fault for making it run on the road. This is in a very densely populated area, roughly 155 people per 1sq km, with people walking, running and cycling in the forests, farmers working their land etc.
unless said insurance company has the legal authority to make such demands.. I believe my response would be to send them a photo of my naked butt and tell them to kiss it..