Surgical Dental Medical
Dog Attack Liability?
A friend of ours was in a situation yesterday: Her husband and herself were watching a dog that they were planning on adopting. Within minutes of arriving back at their apartment complex, the said dog attacked the neighbors dog, the end result providing the need for extensive vet bills and emergency room costs for the people involved in breaking up the issue. My friend, lets say her last name is Smith, has renters insurance. The question is, will the vet bills and other bills be covered? Her Insurance states:
Coverage F- Medical Payments To Others
We will pay the necessary medical expenses that are incurred or medically ascertained within three years from the date of an accident causing "bodily injury". Medical expenses means reasonable charges for medical, surgical, x-ray, dental, ambulance, hospital, professional nursing, prosthetic devices, & funeral services... To a person if the bodily injury ... (D) Is caused by an animal owned by or in the care of an "insured".
Two points to consider:
1)You said that they were "planning on adopting", which infers that they had not yet assumed ownership of the dog. Some insurance might not cover them for this reason, but according to the medical payments section cited they should not be denied coverage for this reason as the dog was in their care (per section D).
2)The medical payments section quoted says "bodily injury" but does not define that term. The "...To a person" taken out of context doesn't let me ascertain whether it refers to the injury itself or to the expenses. It's possible that liability for medical expenses could be limited to injuries sustained by a person or persons, rather than by another dog.
Your friend might want to have someone with a legal background review the entire relevant portion of the policy. What is clear is that because they were watching the dog they are responsible for the dog whether or not they actually own it, and that coverage under the policy is not excluded simply by virtue of the fact that they may not actually own it.
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