What was the answer for this bizarre extra credit question, involving car insurance?

One of my physics tests had a question involving car insurance for a very small bonus. Here it is, modified to add context:

You are loading a baby elephant into your friend’s truck as a prank. The elephant, however, causes damage to the truck. Whose car insurance pays for the damage?

I don’t know the correct answer, but I made the assumption that car insurance would not cover the damages done by elephants.

What is the correct answer?

(I don’t want to wait a week to find the answer)