If you read the entire article, it specifically says that felony charges are for when / if the animal suffers severe bodily injury or death as a result. (dogingtonpost.com)
The insurer provides a compensation to the nominee, subject to the death of the policyholder due to severe bodily injuries arising from an accident due to a visible, violent external means. (policybazaar.com)
These vehicles are very large and heavy and can therefore cause a lot of property damage as well as severe bodily injuries. (trustedchoice.com)