Owning a dog, cat or any other pet comes responsibility. How insurance does it play if it causes damage? What are the formulas proposed for the procedure in case of illness or accident?
Damage caused by animals
The responsibility to animals is on the concept of custody more than one property. If an animal is causing damage, it is the person who has custody who bears responsibility. The “guardian” of the animal is not necessarily the owner.
The responsibility of the animal’s guardian subsists even if the animal escapes or gets lost.
If it is proved that a victim of an animal was at fault causing the damage, the responsibility of the animal’s guardian will not necessarily be accepted.
The owner entrusts his animal to a neighbor transferred her custody and therefore responsibility. But the courts may consider that the goalkeeper is not responsible if the animal entrusted to him the only time a walk, for example.
Similarly, when an animal is boarded in a kennel or a vet told he is in their custody and not under that of its owner.
Pets (dogs, cats, etc.) that provides comprehensive home insurance policy
The liability insurance, included in most comprehensive home contracts cover damages that the animal may cause to third parties: bites, torn clothes, for example (possibly less a deductible, which varies depending on the contract).
The liability of the owner of an animal does not guarantee principle responsibility of the person who keeps an animal occasionally for example during the holidays. The latter must verify that provides its own insurance policy. Find out more on https://www.petinsuranceu.com/nationwide-pet-insurance-reviews/.
If an animal is stolen, the comprehensive home contract provides for exceptions, no compensation.
Insurance: individual cases of dangerous dogs, hunting dogs or new pets
In some cases, the liability coverage provided for in the Comprehensive homeowners will not be enough. The pet owner will then be closer to his insurer to consider an extended warranty or taking out a specific insurance policy.
In the event of an accident
Immediately notify the insurer by registered mail within five days after the accident, state precisely the circumstances of this: date, place, details of the victim and witnesses.
Animals in a professional context
In some cases, animals are associated with labor (guard dogs, truffle dogs, horses or ponies …). These animals must be reported to the insurer that guarantees professional liability, specifying the mission entrusted to them.
The detention of trained dogs to attack or certain breeds deemed dangerous (1st and 2nd category) is subject to possession of a license issued by the mayor of the commune in which the owner or the person holding the animal .
To obtain this permit of detention, several supporting documents are necessary, including:
-an aptitude certificate attesting to training on education and canine behavior and on accident prevention;
-behavioral assessment by a veterinarian when the dog is older than eight months and less than twelve months;
-liability insurance of the owner of the dog or the person holding it for damage to third parties. The family members are considered third in the case of dangerous dogs.
These dog categories may be subject to exclusion under the liability coverage included in comprehensive home contracts. If that is the case, to be covered, you must request a warranty extension to his insurer.
Hunters are required to carry liability insurance covering for an unlimited amount in case of personal injury occurring during the hunting. This warranty supports personal injury caused by dogs they care.
The new pets
Monkeys, ferrets or reptiles … these new pets, the detention may be regulated, must also be declared to the insurer to adapt, if necessary the cover selected.
Health insurance for pets
Horse, dog, cat or rabbit … any animal can be ensured. Insurers offer special insurance for veterinary costs. They support the expenses incurred in connection with an illness or an accident.
In case of illness or accident
Ask the veterinarian to complete a similar form to the Social Security care sheets. Send this form to the insurer within five days by registered mail with supporting settlement of care provided.
The basic formula covers most often surgical costs in case of intervention necessitated by illness or accident.