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  • FIRST POST
    • lizzy saver
    • By lizzy saver 12th Jan 18, 7:08 PM
    • 5Posts
    • 0Thanks
    lizzy saver
    Dog accident
    • #1
    • 12th Jan 18, 7:08 PM
    Dog accident 12th Jan 18 at 7:08 PM
    My daughter ran over her own dog by accident she has pet insurance up to 7000 however the vet estimated approx. 6000 . the bill is now nearly 9000. any advice on whether her car insurance would cover this rather than pet insurance any advice gratefully received thank you
Page 1
    • Warwick Hunt
    • By Warwick Hunt 12th Jan 18, 7:27 PM
    • 1,153 Posts
    • 551 Thanks
    Warwick Hunt
    • #2
    • 12th Jan 18, 7:27 PM
    • #2
    • 12th Jan 18, 7:27 PM
    Unlikely but have a read of her policy document. It!!!8217;ll most likely refer to damage to third party property.
    • lincroft1710
    • By lincroft1710 12th Jan 18, 7:32 PM
    • 10,732 Posts
    • 8,984 Thanks
    lincroft1710
    • #3
    • 12th Jan 18, 7:32 PM
    • #3
    • 12th Jan 18, 7:32 PM
    She needs to check her policy and possibly check with the insurer. But claiming (if she is able) will increase her premiums for several years, may damage her bonus and could possibly cost more than the 2K shortfall in the long run.
    • jk0
    • By jk0 12th Jan 18, 8:07 PM
    • 2,321 Posts
    • 24,847 Thanks
    jk0
    • #4
    • 12th Jan 18, 8:07 PM
    • #4
    • 12th Jan 18, 8:07 PM
    I wonder if pet insurer might not enquire who was driving anyway, and go after their insurer?
    • Car 54
    • By Car 54 12th Jan 18, 9:11 PM
    • 3,035 Posts
    • 1,906 Thanks
    Car 54
    • #5
    • 12th Jan 18, 9:11 PM
    • #5
    • 12th Jan 18, 9:11 PM
    What if the cost of "repairs" exceeds the value of the dog?
    • Warwick Hunt
    • By Warwick Hunt 12th Jan 18, 9:13 PM
    • 1,153 Posts
    • 551 Thanks
    Warwick Hunt
    • #6
    • 12th Jan 18, 9:13 PM
    • #6
    • 12th Jan 18, 9:13 PM
    What if the cost of "repairs" exceeds the value of the dog?
    Originally posted by Car 54
    Looks like it already had, I guess the dog needs a V23.
    • Joe Horner
    • By Joe Horner 12th Jan 18, 10:14 PM
    • 4,380 Posts
    • 3,850 Thanks
    Joe Horner
    • #7
    • 12th Jan 18, 10:14 PM
    • #7
    • 12th Jan 18, 10:14 PM
    What if the cost of "repairs" exceeds the value of the dog?
    Originally posted by Car 54
    She'll have to settle and buy back the salvage?
    • Mercdriver
    • By Mercdriver 13th Jan 18, 1:37 AM
    • 1,677 Posts
    • 1,136 Thanks
    Mercdriver
    • #8
    • 13th Jan 18, 1:37 AM
    • #8
    • 13th Jan 18, 1:37 AM
    She'll have to settle and buy back the salvage?
    Originally posted by Joe Horner
    Sounds like wruff justice to me.
    • Aretnap
    • By Aretnap 13th Jan 18, 6:57 AM
    • 2,976 Posts
    • 2,490 Thanks
    Aretnap
    • #9
    • 13th Jan 18, 6:57 AM
    • #9
    • 13th Jan 18, 6:57 AM
    The third party element of her car insurance covers damage that she causes to other people's property as part of its cover for her legal liabilities to other people.

    It does not cover damage to her own property as she has no legal liabilities to herself - she cannot sue herself for negligence.

    Afraid she has no chance of claiming the extra from her car insurance - and also her pet insurer cannot claim its own costs from her car insurance and won't try.
    • arcon5
    • By arcon5 13th Jan 18, 1:22 PM
    • 13,586 Posts
    • 8,625 Thanks
    arcon5
    I suppose the question should be how has the bill balooned by 50% more than the estimate... may well be truly unforeseeable issues but worth seeing a breakdown of the bill to date
    • Skippy13
    • By Skippy13 20th Jan 18, 6:39 PM
    • 86 Posts
    • 19 Thanks
    Skippy13
    Different species and circumstances but my cat went to the vet with a missing fang and we were told he needed a dental which would be a couple of hundred quid. While he was under they discovered he had a broken jaw, bone infection and needed more teeth removed and his jaw wired which ended up costing over 3600 before he was actually well again. No one was expecting that!
    • Gravedigger
    • By Gravedigger 20th Jan 18, 7:21 PM
    • 92 Posts
    • 69 Thanks
    Gravedigger
    Just so like a vet to suck his teeth, blow out his lungs, kick your pet and tell you "This is going to cost, missus."
    • treboeth
    • By treboeth 20th Jan 18, 10:18 PM
    • 1,090 Posts
    • 1,234 Thanks
    treboeth
    Just so like a vet to suck his teeth, blow out his lungs, kick your pet and tell you "This is going to cost, missus."
    Originally posted by Gravedigger
    If you think the cost is too high you could always do the treatment yourself
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