We don’t like to think about it but it’s definitely better to be safe than sorry. Pets, particularly dogs and sometimes horses, can get into a lot of trouble. Accidentally they can cause harm and injury and you the owner are liable for restitution. That can be a lot of money – money that you may not have.
The Solution?
Liability Pet Insurance.
There are many situations that can arise that could get you very worried about your liability. For example your dog may bite the post man when he tries to deliver a letter, or your horse becomes startled and jumps over the bush hedge into a car. When something like this happens you cannot even begin to imagine the amount of trouble that you could be in.
My friend Jane and her toddler daughter, Anna, were visiting at a friend’s. The friend had a dog, a well trained dog but one that was not used to small children. While Jane and her friend were enjoying a cup of coffee Anna wandered off to play with the dog. Suddenly there was a great commotion. The dog barked and Anna was screaming.
Perhaps Anna unintentionally hurt the dog or made a movement that the dog mistook as threatening. Minutes later Jane rushed Anna to the emergency. There were bites all over Anna’s head and face and lots of stitches by the time she and mom left emergency.
Anna grew up to be a lovely girl. The scars were barely visible anymore. But Jane sued and was awarded enough money that took Anna through her college years and paid for her living expenses as well.
Something like that if you don’t have pet liability insurance can even lead to bankruptcy.
More than likely your pet insurance will not completely cover all damages or the expenses you incur if you are sued. You need to be able to defend yourself in court which costs money. Sometimes the court will not see eye to eye with you and will require that you actually pay the money because you were responsible as opposed to it being an accident. It is then best to pick a plan that will pay the greater share of the money that may need to be paid out for damages. Also try to choose one that will keep your premiums low each year. It is hard to find a good insurance plan that is both comprehensive and inexpensive, but if you do your homework you are bound to find a good insurance plan that you can be happy with.
You cannot drive a car without insurance. You also wouldn’t have a valuable piece of artwork in your home or a priceless artifact without it being insured. Accidents can and do happen no matter how careful you are. We tend to think that only other people have accidents – you know that is not true.
The same goes for pet insurance. If your pet causes a lot of damage you will want that insurance when the time comes. It could even possibly save you millions of dollars if your pet severely injures a human. Don’t take the risk and be left to fend for yourself. Be smart and get pet insurance today.
