Insurance companies are reluctant to provide coverage for your dog because if they immediately determine him to be dangerous. The problem, however is that they prejudge his nature on appearance. Over half percent of dogs are of mixed background, but if your dog looks like a pit bull then he’ll be branded as a pit bull. Not only is this unfair, but also misleading because it sends a false message that a dog’s nature is based of his looks. Without dangerous dog liability insurance dogs will continue to be labeled as violent.
Any dog can be accused of being dangerous if he leaves a bite, scratch or causes someone to fall over. Unfortunately, it’s all too fairly common to blow something out of proportion in order to file damages against dog-owners. Simply labeling a dog as “dangerous” does not make it true, though. Stories also exist of pet-owners who had to give up their dogs because of the risks they posed for acquiring housing.
Dogs involved in incidents that produced injuries are almost always classified as dangerous. Even if your dog has no bite history, if he’s part of a breed known for being “dangerous” then he’ll be considered dangerous to insurance policies. Lack of coverage for “viscous” dogs is a serious issue but the answer is not to persecute all dogs, but assess them individually as you would with people. Thankfully there are companies trying to protect dogs and their owners by offering dangerous dog liability insurance.
The idea that your dog may hurt someone may seem offensive or crazy, but the truth is that accidents happen, and dog bites are an accident that happens frequently in America. Many times, the owners of the dogs claim that they have never seen signs and that their dog just snapped. It is important to prepare yourself in case you have to deal with dog bite insurance claims from your dog.
Because dog bites account for such a large number of insurance claims, it is important to arm yourself with liability insurance for your dog so that you aren’t hit with high costs if someone makes a claim against you. In the case of your dog injuring someone, you are the party at fault, but with insurance you can ensure that you pay a low amount or sometimes even none at all. However, you want to make sure to keep your dogs close by and monitored and keep them out of a situation where you will need to handle dog bite insurance claims.
Some insurance companies do cover animal accidents; however they will only cover the first claim against your dog. That is why it is so important that you get specialized animal insurance, so that you know the cost is covered even if you have a “repeat offense”
Owning a dog can be a joy, but when your pet unexpectedly bites someone, it can end up costing you hundreds or even thousands of dollars out of pocket. Most homeowners and rental insurance does not cover dog bite injuries. This leaves you responsible for any kind of bite, no matter its severity. Purchasing dog bite liability insurance can protect you from the kind of expense that might occur after such an incident.
One of the greatest advantages of buying this type of insurance is that it is available in almost every state in the nation. This allows you to purchase a policy no matter where you live, so even if you move, your coverage will not be affected. You will also be able to travel with your pet for business or pleasure and have peace of mind that you are completely covered.
Because your dog, not its breed, is covered by dog bite liability insurance, you will never have to worry about being turned down because you own a breed that is well known for its protective nature. Any dog, large or small, may be insured, and if you rent a home or an apartment, your property manager can be added to the policy. To protect yourself from the financial consequences that can occur after a dog bite, look into policy options today.
You love your dog and know that it will never maliciously hurt anyone. However, even a normally calm dog may bite if it is scared, startled, or stressed. Sometimes your dog may bite if another pet is trying to take food or a toy away from your dog. Unfortunately, if your dog hurts a human or another pet, you may be sued for the damages caused by your dog.
Fortunately, there is insurance for dog bites. This insurance will cover any damages, up to a certain amount, made to a human or their pets that is caused by your dog. These damages can include bites, scratches, and other injuries caused by your pet. Depending on your specific coverage and how much premium you pay, you may be covered for hundreds of thousands of dollars. Some insurance may even cover you for millions of dollars.
Even if your dog does not have a history of biting, you may be required to have insurance for dog bites by your landlord. Some insurance even allow you to add your landlord of the property management company to your policy. This is important because they would not want to be held liable by the injured party if your dog causes the injury on their property. Therefore, having canine liability insurance can be beneficial to everyone involved.
Pet owners know that the animals they own are part of their family. Dogs are natural pack animals and act as companions, protectors, and counselors for many people. It would be very unfortunate indeed if your dog were to harm another person for some reason. Even the most responsible pet owners could be faced with an unforeseen situation in which someone they know is a victim of a dog bite. This is not only sad and stressful, but could also be costly.
There is a way to protect yourself financially in the rare case that your dog injures another person. Liability insurance for pet related incidents, such as a dog bite, used to be covered under renter or home insurance, but recently it has become a separate issue that required its own coverage. The best way to protect your entire family, including your furry friends, is to have adequate coverage for the worst-case scenario.
Dogs are truly man’s best friends. They are loyal and loving creatures that may go to great lengths to protect their humans. This loyalty, however, is what may cause them to accidentally bite a stranger. The victim will need to seek medical attention and might attempt to implement legal action. Pet liability insurance will cover the cost of any medical or legal expense required, and you and your family can more quickly move past the incident.
Every year nearly 4.5 million individuals are bitten by dogs, with an average claim cost of around $24,840. According to the CDC about 1 in 5 dog bites will require medical attention, making it crucial that pet owners ensure that their companions are fully covered in event of an unexpected injury-related incident. Homeowner’s insurance and renters’ coverage plans often provide only limited liability coverage, and frequently deny coverage based on breed. However, the Federation of Insured Dog Owners in Florida (F.I.D.O.) can help concerned owners to gain access to comprehensive coverage regardless of pet breed.
A Different Way to Asses Risk
While many insurance providers will refuse coverage based on breed alone, F.I.D.O. members have unique access to plans with a nuanced approach that better serves pet owners. Members can get an easy self-rating quote based on a combination of breed, weight, and size considerations as well as important factors such as responsible, ongoing veterinary care, well-fenced enclosures and yards, and cohabitation with children.
In addition to improved coverage options, members of the Federation of Insured Dog Owners in Florida will appreciate the fact that annual membership fees are used to fund a variety of support rescue groups and educational pet programs. If you are concerned that your current renter’s or homeowner’s insurance plan does not provide sufficient coverage, or breed restrictions make such coverage difficult to find, you may want to consider looking into this innovative insurance offering.