Road accident involving dog, no pet insurance

POPPYOSCAR

OnanTheBarbarian wrote: »

Easy on fella, it could have been a genuine mistake/error rather than someone just letting their dog run amok. I also pity the OP who has clearly lost a pet.

I quite agree.


Sometimes with the best will in the world pets do escape.When our neighbours moved their two dogs got out one day and they turned up on our doorstep(.Well in the kitchen because the door was open.)

tizerbelle

luaive, I'm sorry for your loss.

Unfortunately, I don't have any useful advice/ideas about the situation you are currently in but when/ if you decide to have another dog and if you don't go for standard pet insurance please consider becoming a member of Dogs Trust. It is only £25 per year and it will provide you with 3rd party public liability cover for any damage or injury caused by your pet. See details here

rudekid48

OnanTheBarbarian wrote: »

Easy on fella, it could have been a genuine mistake/error rather than someone just letting their dog run amok. I also pity the OP who has clearly lost a pet.

I take your point and you're correct that I don't know the op's circumstances, and of course I have sympathy for losing a pet. I've been on the other side of an incident like this - a dog not on a leash running out into a road in front of me. Sadly the dog was killed but the incident also massively traumatised my young daughter who was in the car with me at the time. This was all because the owner couldn't be bothered to keep his dog on a leash when he took it out for a walk. Loose dogs are a problem and most of the time it is purely down to careless owners.

OnanTheBarbarian

I sensed there must have been such an incident involving you (but on the other side) as you normally take a pretty tongue in cheek approach to most of the posts on here. Fair play to you.

McKneff

Mu apologies to whoever I need to apologise to. I did indeed not realise that that it was the OP correcting her own post.

luaive

Thankyou for all the advice, sympathetic and not, I realize the only person to blame is myself, im not looking for sympathy, just advice on what steps to take next. I would happily have paid the guys excess if that was an option, perhaps it will be, I have to wait for a solicitor to get in contact in a few days, I dont know if I should contact the insurers who sent the letter and explain the situation, and hope they can at least let me/us set up a payment plan or something. Thankyou Tizer, I will go now and join with the Dogs Trust, as obviously I dont want to go through this again

luaive

There set up DD for dogs trust, wish I had known this before, I didnt know you could just have public liability insurance, guess these things you dont find out until its too late.....or I dont find out

ali-t

Sorry for your loss OP.

huckster

In these situations, you are best NOT to respond to the Insurers. You certainly don't admit any liability in writing or pay anything. Quite often the Insurers won't pursue further, as they take a business decision not to do so. Does not mean the driver of the car won't pursue you for their losses.

You certainly don't say that you normally let your dog near a road, without being on a lead. You don't say anything, unless you are required to give evidence to a court.

Start putting money to one side, just in case it is taken further.

Quentin

luaive wrote: »

I would happily have paid the guys excess if that was an option, perhaps it will be,.....

Don't contact the driver with this offer (apart from a waste of time, it will be seen as an admission of liability)


The letter you have had isn't from the driver, but his insurer, who presumably are much more out of pocket than the excess!


You could still be getting a claim off the driver regarding paying his excess, and any other uninsured losses he experienced over this