No Personal Injury Claim For a Pet is Allowed

by Helen
(Maryland)

Black Kitty Cat

Black Kitty Cat

You can not make a personal injury claim for your pet under a typical automobile insurance policy regardless of who is to blame for the automobile accident. An animal simply does not fit the definition of a person who would be covered by any first party of third party liability coverages.


Emotions aside, an animal is considered property whether that animal is a beloved family pet or not. If the pet is injured in an accident that is your fault you will not have any coverage available to cover the animal’s medical bills unless you have some special policy. If it is injured in an accident that is not your fault, the at-fault driver’s insurance policy might reimburse the animal’s medical bills under the property damage liability coverage. There will be nothing for your pet’s pain and suffering. If the pet dies, you may be paid for its fair market value if that can even be determined.

Frankly speaking, these are just a few good reasons to leave the pet you love at home where he or she is safe unless you absolutely must transport it somewhere.

This article is approved for informational purposes and is not intended to take the place of competent local legal counsel.

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