I am an animal lover, but dogs are my favorite. They are a great company and it is in their nature to submit for your approval and love. Dogs are considered "man's best friend," but have you ever thought about how your insurance could be affected by the type of dog you choose to have?
an insurer has the right to non-renewal or even refuse to write the policy of your own based on the breed of dog you own. There are specific breeds of dogs that have a negative connotation due to their aggressive reputation. the breeds like Pit bulls and Rottweilers have been known to attack, resulting in serious injury or even death. in turn, the heavy insurance claims are filed and paid.
Before choosing a dog breed, check with your insurance agent to see what your dog carrier will agree to write. There may be a supplement based on race. and while choosing a qualifying race means that your insurance company to write your cover, as a dog owner, you are potentially at a higher risk for a liability claim that most states require a certain level of strict liability if your dog were to bite or attack another person. strict liability means that dog owners are responsible for injuries inflicted by their dogs regardless of whether the owner was at fault, negligence, or even had prior knowledge of the dog vicious propensities. However, there are exceptions to strict liability in some states for dogs that are caused by the victim (eg deliberately goaded on offense). laws on strict liability may vary by state to be sure to consult your independent agent.
So what can you do for yourself and your family a claim to protect potential liability?
- always keep your dog on a leash when walking -it does not matter how well behaved your dog is, when walking, he is important to your dog on a leash and keep them close to you at all times to avoid possible exposures.
- Never let a stranger petting your dog -Even if your dog is friendly and loves people, if the person makes him feel threatened? Your dog may act aggressively towards them and inflict damage.
- Keep your dogs on a leash or fenced in to let them outside it normal to give them some freedom, but if they see a squirrel or rabbit? Most dogs have an instinct to hunt other animals. In the process, they could cause a car accident by running across the road, running into someone knocking, or cause damage to property.
- Treating and train them properly -like dog owner, you have an implicit responsibility to treat your dog well and train. Dogs that are treated poorly tend to act on to others more often. A well cared for and well-trained dog is more likely to listen and not to cause damage.
- Buy a Personal Umbrella Policy -in the event of a claim caused by the actions of your dog, the financial burden may exceed your policy limits depending on the extent of injuries. An umbrella policy can cover you above and beyond the underlying policy limits of your primary owners and help protect you against an expense out of pocket.
Avoid barking up the wrong tree when choosing a dog breed! Talk to your independent agent today to make sure you have the right cover in place.
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