American Family Car Insurance

Auto insurance coverage for pets in car accidents
Pets ride in cars all the time, but if they are injured in a car accident? Automobile Insurance Company which pays to treat their injuries? The answer depends on the cause of the accident.

Travelling by car can be dangerous for animals (and distraction to the driver), especially because they ride without the benefit of seat belts. If the injury crashes someone causes you and your pet, you are entitled to claim a "third party" with their automobile insurance company for medical expenses for your pet. This is because their liability insurance policy car you should put "where you were" before the accident.

If you are responsible for a car accident in which your pet is injured, you want to check your auto policy for exclusions. Let's say you collide with another car or a barrier: the Collision pays for repairs to your own vehicle. But you can have a foreclosure on your collision coverage for damage to personal property that you carry, whether it's your antique vase or your pet. If your auto insurance policy has such exclusions, you will not have a valid claim. For example, State Farm says its policies do not provide coverage for accidents company. auto insurance coverage can vary by insurance company car, so be sure to check your policy carefully.
Within this scenario, if not carrying collision coverage at all, you must pay for all damage caused by the accident, including your car and company.

Maybe someone comes to visit you and your dog will sleep in their car. Then, without knowing it, the visitor presses your pet. Is the visitor liable for injuries to your dog? Yes, it is, but not in the section of his injury auto insurance policy. Bodily injury pays for injuries sustained by a "person" in an accident. Your pet is not considered a person when he is not covered by this part of the political police of auto insurance.

However, for purposes of automobile insurance, your pet is considered your "personal property" and you have the right to be "put where you were" before the accident, in this case, which means having a healthy dog. You would have the right to make a claim against the policy of your visitors auto insurance for medical expenses for your dog, just as you would have the right to complain if the driver supported in your mower.

The death of a pet

Of course, pets are part of the family, and the death of a beloved pet can lead to extreme pain. But the condition of your pet as "personal property" may limit your options for compensation if someone causes an accident that kills your pet. State laws do not recognize the loss of personal property as valid claims for "loss of companionship" damages, unlike the loss of a spouse. If your pet is killed in an accident, you can probably apply for the "market value" of your pet.

Some courts have allowed damages for deceased pets to go beyond "market value" by applying the "asset" or "special value" that applies to goods which have no market value .

Tips for traveling by car with pets

Source: American Veterinary Medical Association

-Cats should be in a cage or in a cat carrier to allow them to feel secure and prevent them from crawling under your feet while driving.
-A dog that must ride in a truck bed should be in a protective cage which is attached to the truck bed.
-Dogs in a car should not ride in the passenger seat if equipped with an airbag, and should not be permitted to sit on the driver's knees.
-Harnesses, lanyards and other accessories for pets during car travel are available at most pet shops.
-The pet should not be allowed to ride with their heads outside car windows. Particles of dirt or other debris can enter the eyes, ears and nose, causing Oth.