Car accident with a dog

karen3268

Hi we had an accident in May when a dog ran into a major road. He had escaped from his back garden n after being spooked by an hot air balloon. The dog died and it caused 3000 pound of damage to the car. The car has been repaired but the pet insurance will not accept liabillity. Its been 6 months and we have had to pay out 100 pounds excess and our car insurance policy has come for renewel and because its not settled the payments have doubled can anyone help with any advice
thanks:rudolf:

mrcow

What have your insurance company said?

Do you have cover on your insurance that you could use to claim for uninsured losses?

karen3268

our insurance broker says we have got to wait but we are trying to claim excess back and the difference between our car insurance policy works out we paying another 300 on top of the last policy. Wandering what the time limit is for the pet insurance to make a decision.

McKneff

Why not sue the owner for your uninsured losses though the small claims court.

ihateyes

sue the owner!???

mustve been some dog to cause £3000 damage.

no wonder the pet insurance isnt accepting liability.

I believe pet insurance cover ailments not car accidents.

Quentin

6 months isn't overlong for a disputed liability claim to be concluded.

Your insurers should be able to tell you now what are the chances of them getting reimbursed. So ask them what is happening.

Until they are reimbursed their outlay in full your ncd will be reduced (this will be the main reason behind your premium increase).

You do need to pursue the third party yourself for your excess back - either diy or use any "legal cover" you have with your insurance.

Apart from this, not a lot you can do but be patient.

withabix

ihateyes wrote: »

I believe pet insurance cover ailments not car accidents.

Pet insurance policies include 3rd party liability insurance for such incidents as this.

karen3268

ihateyes wrote: »

sue the owner!???

mustve been some dog to cause £3000 damage.

no wonder the pet insurance isnt accepting liability.

I believe pet insurance cover ailments not car accidents.[/QUOI

Hi it was a St Bernard ! at 40 miles an hour it smashed the front in and damaged all the engine actually

magpiecottage

ihateyes wrote: »

mustve been some dog to cause £3000 damage.

I can believe it. In the 1980s I hit and killed a dog that ran in front of a six week old car. It took out the suspension, wing and a headlight.

That cost around £1,500 to repair then.

no wonder the pet insurance isnt accepting liability.

I believe pet insurance cover ailments not car accidents.

Depends on the policy. In my case the car's insurers recovered the cost from the dog owners' insurers.

karen3268

Thanks all heard today they have admitted liability and we are having the excess back and the no claims back and the insurance will requote the renewel price so got there after we threatened contacting the police about not having control over their large dogs:j

vaio

Good result....

Some insurers will load your premium even for non fault accidents, find out if yours does and if they do then don't forget to add that to the bill.