Northland man Paul McKay is upset police did not turn up when he called 111 three times after his wife's car hit a cow near Whangarei.
Janette McKay was driving home to Tutukaka with their 16-year-old daughter Rachel at 9.15pm on Thursday last week when the collision occurred.
The 1995 Toyota Corolla was written-off when the cow - one of several on the road - came over the bonnet and its head pushed the shattered windscreen to within centimetres of Rachel's face before the animal got up and ran off.
Although neither mother nor daughter were seriously hurt, Mrs McKay said she could not stop asking herself: "What if I had killed her?"
Several motorists stopped to help the stricken pair, with some herding at least six cows off the highway into a roadside paddock. Mrs McKay phoned her husband, Paul, who set off to fetch his family towing a large trailer to carry the disabled Corolla.