with a child technically the parents of the child because they are responsible for the control of the child. it can get complicated if it's at or near a intersection, because in a lot of states pedestrians have the right of way over cars. it can also complicate things because a child is injured so a lot of car owners step up and take care of things.

wild animals are covered thru comprehensive insurance because you can't bill mother nature for damages. no comp ins you are up the creek without a paddle.