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Third Party Liability Pet Insurance

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									                       Third Party Liability Pet Insurance

Third Party Insurance is generally for vicious dogs. Few policies often will provide
coverage for cats; however, the policy is rare, since cats often pose no threats. The third
party will provide liability coverage to owners whose animal has caused harm, either by
biting or damaging property. The damage or injures will include coverage for animal
attack on other animals. Thus, pet coverage is the standard coverage allotted to pet
owners, while third party is a secondary coverage to owners of aggressive dogs. Like
many types of insurance, the policy will reimburse owners if they are found liable due to
animal attack. The process of reimbursement is similar to other types of coverage, only
you are submitting the claim, summons, insurance policy number, writs, police reports,
and other documents imposed as a result of the attack.


Once the company receives your claim, the company will make contact with you
providing additional instructions if applicable. The policy will cover you if your dog
attacked another human being, caused damage to property, or caused an accident. Thus, it
is wise to obtain a comprehensive coverage plan if you have an aggressive animal,
especially a policy that will come to your defense if you are accused of negligence. It is
important to disregard any signatures on documents by the third party or others until you
have submitted your claims. If you sign papers, stating you are at fault the company will
have difficulty defending you. Pets have been known to cause accidents, thus pet
insurance policies that cover liability is not an option in most instances when it comes to
protecting your pet and self. Court costs, fines, and other details of legal aspect are often
expensive, thus have coverage is vital if you have a risky pet. However, you must be
aware that the policy are not obligated to cover all charges against you, therefore, be
expected to pay out of your own pocket a portion of the damage. Most policies will cover
attack of other pets, third party liability damage to property and 80/20 attacks on humans.


On the other hand, if you have special breed dogs that pose no threat, then you may want
to consider a different type of pet insurance. The Supplementary Insurance Premium is
often attached to special breed pets. There are various types of animals that require
special treatment and these pets include, Burmese Mountain Dogs, Bulldogs, Dogue de
Bordeaux and so forth. Still, if you have aggressive pets you will need third party liability
coverage.
Some policies have excess fees, which mean that the policyholder pays an initial charge
at the vet’s office. The vets often charge “applicable” fees “per condition” thus meaning
that each time you visit the vet you are obligated to pay the excess charges. Most pet
insurance policies will deduct the excess from the balance owed and send the remaining
balance to the vet or to the policyholder if he hasn’t paid the vet. Few policies have a
“voluntary excess” charge, which entails an x amount of dollars each year will be
deducted from your premiums. Thus, the excess is nothing compared to veterinary
charges without coverage. Many pet insurance companies’ will not charge additional fees
for claims submitted. Therefore, pet insurance will cover you when you pet is ill,
contacted a disease, fell victim to an accident, or if you have liability coverage, the policy
will protect you against the law.


Few policy providers will include liability coverage, offering accidental and illness
coverage; spraying and neutering, liability and more. The company may also offer
discounts if you have more than one pet to insure. While most policies offered have
exclusions, it is possible to get comprehensive coverage at affordable prices with minimal
exclusions. Finally, to learn which policies are best suited for you, go online, get quotes
from the many providers, and compare the costs and coverage before deciding on pet
insurance coverage plans. Going online will save you time and money, and getting pet
coverage now can spare your pet when he really needs medical help.

								
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