Thursday, August 28, 2008
Would house or car insurance cover injury due to dog? -
Out with my dog on trail. Dog got away from me and run up and jumped on older lady. Didn't bite, just jumped. Very icy and she fell...she hurt her arm and ambulance came. If they sue, do I have any coverage under car or house insurance...I drove to the trail? This is in Ontario, Canada not sure about Canada, but in the United States this would fall under the personal liability portion of your homeowners policy. most liability claims involving dogs usually occur as the result of a bite, but this basically is the same thing. your dog, which you are responsible for, caused injury to another person. if she sues you, the insurance company is obligated to defend you and/or pay for damages up to the limit of the policy. my best advise is to contact your insurance agent first thing tomorrow. insurance companies don't like to be blind-sided by law suits. If you have liability on your home policy and did not have a dog exclusion in your policy it should cover this. call your agent to be sure Home owners policy. In all the dog bite claims I worked we never required the dog be put down though?!? That was not a policy of our company. You need to consult a local attorney that specializes in animal attacks. No coverage under the car insurance, but you likely do have some liabiltiy coverage under your home insurance. But if there's a claim, you'll have to put the dog down.
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