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The owner of the cow has liability here. As the owner, it is his responsibility to properly secure the cows. If he didn't, and injury to person or property ensues, he is responsible for that damage.
You need to provide all of the information from the accident to your insurance company. They should handle the claim for you. Before stating that your wife suffered no injuries, you may want to wait a few days, some injuries, such as to the back or neck, may take a few days to manifest themselves.
Also, several customers have asked how they may direct a question to me in particular. If you specifically want me to assist you in your legal matter, just put "FOR JOSEPH" in the subject line and I will gladly pick up the question as soon as I am on-line.
Thanks I accept that answer, one more thing though, what should I do if they don't have any homeowner's insurance? Thanks Jesse
Then the owner would be personally liable and the lawsuit, if necessary, would be filed against him.