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How does pet liability insurance work and protect me?

Date Added: November 18, 2011 07:59:41 AM
Category: Insurance directory

How does pet liability insurance work and protect me?

Some pets especially dogs can cause harm to people and property. The owner of these types of large pets will need to insure that any claims by third parties for damage, bites and personal injuries can be defended by insurance. Those injured can claim against the owner and the claimant’s solicitor will send you bad letters and may demand compensation.

If the pet concerned causes an accident to others, this can cause a potential claim against the owner. Having pet liability insurance will help to reduce any claims made against the owner. The law is quite strict and you could be subject to:

•    A criminal record
•    Claims
•    Even going to jail
•    Fines

When obtaining pet insurance make sure that liability cover is included. Also, check if there is an excess amount which you will have to pay in the case of a claim.  You don’t want to have a criminal record because you didn’t have pet insurance. Also, ensure that you have legal expenses cover as well. Solicitors are costly and legal expenses cover will keep your financial losses to a minimum.

Adjust the excess to see, if the premiums result in any additional savings.

Read the pet liability insurance term and conditions carefully and store the documents in an easy to find place.
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