You have already heard of dog insurance. Basically, it is differentiated in health insurance and liability insurance for dogs. But why should you take out liability insurance for your dog if you are already liable for liability insurance? Here you will learn what dog liability insurance is actually, what it does, what it costs and why it can be worthwhile for them to complete one.
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What is a Dog Liability?
Dog liability insurance is a private liability obligation, just for your dog. If you cause a personal, material or property damage, your liability for personal liability will cover the costs incurred up to the amount of the maximum cover sum, which are usually several million euros. Damage caused by small animals to cats is usually covered by private liability insurance.
If on the other hand, your dog causes a corresponding damage, you are liable personally with all your assets. Since dogs are before the law as not criminally liable, you must as a holder for the liability accepts caused by your dog damage. This can quickly become very expensive; costs in millions of dollars are not a rarity. Dog liability insurance protects you from such unpredictable and often life-threatening costs. Dog liability insurance is already available for less than 40 euros per year.
Is a Dog’s Duty Compulsory?
Dog liability insurance is not a general compulsory insurance. There are different regulations, depending on the state and the dog. However, some dog breeders are already compulsorily responsible for dog breeds in some of the federal states.
Another Lander obliges only holders of certain dog breeds to complete dog liability insurance. Which races in the state in which you live must be covered by the law; please contact the local office.
Why should I Take out Dog Liability Insurance?
As already mentioned, a dog’s liability protects you against extreme costs, which can arise in the case of damage by your dog. You might be wondering what your well behaved Golden Retriever or your little bulldog, anyway can do for damages? What has to happen, so that your loyal darling drives her into financial ruin?
A simple example: No dog is absolutely predictable. Your well-behaved dog may be frightened by a loud bang. Then he tears himself and runs into the street. There a driver tries to avoid your dog, tears the steering wheel, catches the cyclist, which he has overlooked, and ends his evasion attempt by crashing into another vehicle.
You pay for the following: repair costs of both the car and the bicycle. In addition, you must pay for the medical care of the injured persons. This includes any operational costs, rehabilitation measures, hospital stays, etc. You also have to pay for a possible loss of earnings and if an accident victim is now professionally disabled or tied to the wheelchair, you even pay the disability pension or the handicap-compatible conversion of the dwelling of the victim.
Liability does not have any upper limits. You will be charged for unlimited damages. In the case of doubt, you must live with your subsistence minimum in order to pay the costs incurred. With good dog liability insurance, on the other hand, you can live your habitual life after damage.
Who offers Dog Liability Insurance?
There are many providers of dog liability insurance. In order to find the best insurer, you should definitely make a comparison with the dog. A large part of the known insurances, which offer liability insurance, also offers special dog liability insurance. In addition, there are also many rather unknown insurance providers, who are probably not familiar with the advertising but offer favorable and powerful dog liability insurance rates.
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What is to be Observed in a Dog’s Liability?
Good liability insurance for your dog is fundamentally characterized by a high cover sum. Experts advise a minimum sum of 5 million euros, but they are advised to opt for a 10 million euro sum. The coverage sum should also apply to personal injury, property damage and property damage.
Liability for rent damages to movable and immovable objects is also important. Immovable objects are in this case things like the furnishing objects of a vacation apartment. If you are traveling with a dog, it is important that your dog’s liability insurance covers damage during your stay abroad. In this case, it is important to consider how long a stay abroad can last and whether insurance coverage is only valid within the EU or worldwide.
Some insurance are only liable for damages if you have the dog’s supervision as first-class dog owners or relatives. Other insurances are also liable for damages that arise when roommates or good friends take care of the dog.
How do I Find the Best Dog Liability Insurance?
The best liability insurance for your dog is the one that has the largest range of services and the lowest contributions. It is not particularly difficult to find the ideal liability insurance for your dog.
For example, you can contact an independent insurance adviser. Independent or independent insurance advisors work on a fee basis and do not receive any money from the insurance companies when you conclude dog liability insurance. The advice is very good; however, you must pay the consultant of course.
The better free method is an insurance comparison on the Internet. You enter a few basic data into a form and get an overview of all tariffs that meet your requirements. With just a few mouse clicks, you can also directly see the impact of, for example, the amount of optional self-participation or the sum insured on the amount of the annual contributions.
Of course, you can compare online not only the posts. As a rule, you can select several dog liability rates at the same time and display the important tariff details in a clear table, whereby you can see at a glance which dog liability insurance offers the best price for you and your dog. Your dog liability insurance you can usually also conclude directly and at no additional cost online.