Dog liability insurance - why it is indispensable
Every dog owner should have dog liability insurance, because the most serious risks can already be insured cheaply and well.
Why a dog liability insurance?
No matter if big or small, old or young, pedigree or mixed breed, well behaved or even aggressive. Every dog should be insured against liability.
Because, if your dog causes damage, you as the owner are liable with all your private assets.
Even if you can not imagine that your dog causes damage to someone, this can happen faster than you would like. And your dog does not even have to be active itself. It is enough if a cyclist is frightened by your dog, falls off the bike and injures himself. Or your dog vomits on the expensive Persian carpet of your friends, which then has to be cleaned.
The cleaning costs for the Persian carpet or costs for a torn trouser by the bite of your dog you can perhaps still raise financially. But what if your dog runs into the street because it is chasing a cat, for example, and there is a serious traffic accident with property damage or even personal injury? Then the costs quickly run into the thousands. This risk, but also many others, can be averted by taking out the right dog liability insurance.
Dog liability insurance not only pays damages, but also fends off unjustified claims for damages in court proceedings.
The protection of the liability insurance does not only apply to the respective dog owner, but also to his family members.
What is a liability insurance for dogs?
A dog liability insurance reimburses the damages caused by your dog. These can be:
1. property damage: e.g. damaged clothing, furniture, etc. 2. personal injury: e.g. treatment costs, compensation for pain and suffering 3. pecuniary damage: e.g. veterinary costs, loss of earnings
If, on the other hand, unjustified claims for damages are asserted by third parties, the dog liability insurance will defend against them, if necessary also in court.
What additional benefits of dog liability insurance are useful?
In addition to the basic protection offered by dog liability insurance, there are other additional benefits that can be included and, depending on the case, can also be very useful. Other additional benefits of dog liability insurance that are typically offered by insurance companies include:
What damages are not covered by dog liability insurance?
First of all, damages caused intentionally are not included in the scope of insurance. The situation is different for damages caused by gross negligence. Here the insurances partly pay without a further examination.
Likewise, the dog liability insurance does not cover damages caused by the own dog.
In addition, the dog liability insurances apply exclusively to the keeping of the dog in the private sector. If your dog is used for commercial or business purposes, private dog liability insurance does not apply here. In these cases you have to look for a special insurance.
Untrue statements when signing the contract can lead to the insurance not paying the damage. In any case, check whether the breed of your dog is accepted by the desired insurance company.