Pet Liability Insurance for Dogs
In America, it is estimated that dogs bite over 5 million people every year. Every dog owner may get exposed to the possible liability for dog bites and injuries. In most of the cases, children become the primary victims and the losses may account for nearly $1 billion per year.
However not all the cases, as these losses need to be born by the dog owners or the victims. It is mainly because pet liability insurance is available to reimburse for it. This type of insurance offers a suitable amount of compensation for all including the most painstaking accidents caused by a dog.
Types of Insurances
There is a great variety of pet liability insurance available that might apply to biting or canine-inflicted injuries. For example, if you own a house or rent a home, the homeowner or renter insurance policy may comprise of pet liability insurance coverage. This insurance offers protection for most of the injuries caused by dogs including other relevant claims. Secondly, if your dog attacks someone while sitting within the car, the automobile company will cover the insurance benefits that come under pet liability insurance coverage.
The pet liability insurance may also include medical imbursement coverage which offers an additional protection for the medical bills up to a certain limit to the individual who was bitten and injured by your dog. Property damage may also be covered under pet liability insurance which includes breaking of glasses, tattering clothes and other pertinent property damage losses as claimed by the victim. The policy declaration strictly covers the limits of the claims. This is written in the personalized page of the policy offering monetary information along with your name and other details.
Insurance Eligibility
When a dog biting occurs, it is essential to decide whether the individual is legally responsible for the bite or the victim himself. A standard form as described by the Insurance Service Office defines insured as the owner and the residents living in the same household. The residents of the households include relatives and individuals under the age of 21 can be benefited from pet liability insurance. Thus, the insurance will be covered for the insured and the individuals as mentioned including pet sitter or dog walker.
Factors to Consider while Buying Insurance
There are different types of insurance available. So when a dog owner considers buying a pet liability insurance, he must look whether dog-related injuries are excluded or included to the insurance policy or not. It is also important to see whether the policy offers enough reimbursement value to compensate a victim. In many cases, insurance companies may exclude dog bites, exclude coverage for certain types of dogs, limit the reimbursement or limit the number of people covered. So prior buying any pet liability insurance policy you first need to talk with the insurance agent about these issues in details in addition to the people you are responsible to take a great care of, if your dog bites or injures someone.
