Some Good Reasons For Having Dog Pet Insurance
When you first get a dog, you will probably be told by several people that you need to buy dog pet insurance. However you may not be at all clear as to exactly why you need it, especially if you haven’t owned a dog before and are aware of the situation.
If there is one reason for having dog pet insurance that you had already thought of, it is probably health insurance. That is, insurance to cover your vet’s bills if your dog is sick, or injured in an accident. It’s most unlikely that your dog will go through his whole life without a single disease or injury, and nowadays just one treatment can cost literally thousands of pounds. Dog pet insurance policies vary enormously as to what level of cover they provide for vet treatment, so you need to compare them carefully and see what best meets your needs.
However, there are several other reasons why it is important to take out dog pet insurance. Some of these may not have occurred to you if you haven’t had a dog before.
 If your dog causes a motor accident, for instance by running out into the road, you will need insurance to cover you for legal advice and compensation payment. You are responsible for what your dog does, so the other party will sue you. If a serious injury is involved, the compensation could be huge.
 Similarly, you can be sued if your dog bites someone, e.g. a postal or other delivery worker, or a neighbour. Of course, you need to keep your dog under control and train him not to bite people, as it would also result in him being put down.
 If you have to be hospitalised and there is nobody to care for your dog, your dog pet insurance can pay for boarding kennels (if you have a policy that specifically includes this). The policy won’t pay for putting your dog into kennels while you go on holiday! However, if you have booked a holiday and your dog is sick or injured at the last minute, preventing you from going, you can have a policy that covers the cost of cancelling your holiday.
 If your dog is lost or stolen, dog pet insurance can pay for advertising and rewards. Some policies will also cover replacement - some will even pay for bereavement counselling!
 If your dog is hard to control, is disobedient or has other behaviour problems, a dog pet insurance policy can pay for advice and help from a dog training expert or a dog behaviour therapist.
Of course, many of these things may never happen - and you certainly hope they won’t. But sometimes they do, and it’s a good idea to consider right at the outset how you would cope if any of these things did happen. There are a number of good reasons for having dog pet insurance, but the most important one of all is - peace of mind.
SeanHorton
http://www.articlesbase.com/pets-articles/some-good-reasons-for-having-dog-pet-insurance-616925.html
October 4th, 2009 at 2:50 am
What are some reasons why insurance co. settles a lawsuit?
What are some reasons why an insurance co. settles a lawsuit(premises liability). Could one reason be that the plaintiff and lawyer have a solid case? And they see client was wrong?
October 4th, 2009 at 7:52 am
It’s a simple cost-justification. They look to see how much the person wants for the lawsuit, how much they think it will cost to fight, and how much they think they can offer to avoid the whole thing. They also take a look at how likely it is that they’ll be sued again for a similar deal. (If it’s likely, they’ll be more apt to fight to win–so there’s a precident.)
References :
October 4th, 2009 at 7:54 am
Could one reason be that the plaintiff and lawyer have a solid case?
One possibility.
The other?
The cost of litigation, even if they win the case, may equal or exceed the settlement. In either scenario, they expend the same amount, or maybe more, without the hassle.
Also, settlements for injuries negate any further claims.
And lest we forget, juries can be wild.
References :
October 4th, 2009 at 7:56 am
It could also be that it’s so much cheaper to just let it go. You could have had a horrible case, but your lawyer did a good job letting them know he or she plans on dragging it out.
References :
October 4th, 2009 at 7:58 am
They’ll settle, if the claim is COVERED, if they think a judge/jury would find against them anyway, and if they think it’s possible a jury might award MORE than the settlement request.
Whether or not they think their client is wrong, is irrelevant. It’s about what the JUDGE is going to think, and if there’s coverage under the policy.
A FEW policies, have a clause in it that the client has to agree to the settlement. So if the policy has that clause, regardless of the above, if the client doesn’t agree, they don’t settle.
References :
agent, 21+ years
October 4th, 2009 at 8:00 am
They will settle for the following reasons: A) Their insured is legally liable and the amount of the settlement reasonably reflects what the plaintiff would have gotten had the case gone to court; B) their insured is legally liable and the case has emotional or political elements such that, if a jury got it, the award would be unreasonably inflated; C) their insured is legally liable and the potential judgement in a court of law could affect the value of other cases or result in an appellate court decision that would have a detrimental impact on settlement values of other claims or case law that would control the handling of other claims so it’s cheaper to pay the claim and get out now.
References :
Injury claim specialist for 23 years for a major insurer
October 4th, 2009 at 8:02 am
Lots of good answers here. At the end of the day, whether an insurer settles or not boils down to only a few elements (all this assumes that coverage has been extended for the loss).
1) Liability - Is it clear or are there defenses that can be raised? Depending on your state, there could be several defenses for the property owner in a premises liability case. I’m in Texas. Slip/trip and fall cases are all but dead here.
2) Damages - How bad is the injury? Soft tissue or objective injury (ie. broken bone)?
3) Witness potential of the parties involved - Will the insured make a good witness on his/her own behalf? Will the jury like him/her? Same for the the plaintiff. This is actually very, very important. I have tried cases I otherwise wouldn’t have because I knew the jury would simply be offended by the plaintiff.
4) Venue - Also very important. Is this a liberal venue where juries like to award money? Or is it extremely conservative and unwiling to award money to an injured party. Is the judge plaintiff or defense friendly?
5) Attorney Qualifications - How good is the plaintiff’s attorney? Is he one of the run of the mill ambulance chasers or does this guy have some stroke? How good is the defense attorney? Most insurers hire very good outside counsel for larger cases, but leave the small exposure stuff to in-house attorneys.
Hope this gives you some insight.
References :
Adjuster 13 + years; Currently a litigation adjuster for a major insurer.