Tuesday, April 24, 2007

Be sure to get your dog bite insurance

As I have been humorously exposing the ugly underbelly of the dog-owning, dog-loving community, I've found some things kind of scary.

Check out the language used by a legal advice website encouraging owners to be heavily insured:

Every dog owner needs to have homeowner insurance or renters insurance that (a) provides coverage for, and does not exclude, injuries inflicted by dogs or animals in general, and (b) has a limit of at least $100,000 for personal liability. This type of insurance will enable the dog owner's insurance company to pay an appropriate amount of compensation for all but the most severe accidents caused by a dog. Because the dog owner's own relatives, friends and neighbors are the most likely victims of a possible dog attack, having insurance means protecting the people who are closest to the dog owner, thereby protecting valuable relationships and ensuring proper treatment of loved ones. Given the fact that a dog is most likely to bite someone whom the dog owner loves most, it is recommended that dog owners have higher limits, such as $1 million, through either their homeowners and renters policies or by an "umbrella" policy. It is very inexpensive to obtain an umbrella policy.

Every dog owner is exposed to possible liability for dog bites and other canine-inflicted injuries. Dogs bite nearly five million Americans every year, children are the victims of the most serious attacks, and the annual losses equal approximately $1 Billion. These losses do not have to be borne by the dog owners and victims, because insurance is available to pay for it.

The good news for dog owners, accident victims and society is that homeowners insurance and renters insurance normally provide at least $100,000.00 in benefits for victims.

Well that just makes me feel safer regarding all the huge, under-contained, dogs in my subdivision! They're more likely to maul, maim, or injure the loved one's of their owner rather than me or my family. Phew!

....Good to be back!

1 comment:

TB said...

I am grateful you returned safely without being mauled by a Xoloitzcuintle while sleeping on the beach. I guess you were pretty safe though since you didn't have many relatives in Mexico.