 Employee injured during lunch beak claiming Worker's Comp. Can he? |
| I own a body shop. One of my employees got hurt playing soccer during his lunch break. He is claiming worker's comp because it happened on my property. Does he have a right to claim WC?? Do ... |
|
 Hi everybody, my neighbours are stopping the workmen repairing my chimney because the structure they are using |
is overhanging her "air space" (quote). She is also now asking for some compensation from the insurance company who is paying for this repaires. What are my options?
thank you in ... |
|
 Why do we even need insurance companies? |
| Why can't doctor's just set their own prices, and the exchange be between patient and doctor? What purpose does the insurance company serve? Say for example I break my leg, and go to the ... |
|
 Car accident-how to pay for other car's damage ? |
| I recently got into a car accident which was my fault because i fell asleep behind the wheel. My Jag got totaled and the other car was damaged a lot too. I got a call today saying that I am being ... |
|
 HOME BUILDINGS INSURANCE - rebuild value ????? |
| I am trying to renew my home building insurance. The forms ask what is the rebuild cost would be. How do I find that out ??... |
|
 Bradford and bingley bank what should i do..? |
| hi there i have savings in the uk bank bradford and bingley..should i pull my savings out of there and are they at risk and could i end up losing everything..........please only answers that is by ... |
|
 My Health Insurance doesn't cover what they said they would. How can i find out if they are doing me wrong? |
| We went for regular Physicals and come to find out now that i owe 800 dollars in Doctors Bills. They covered nothing. Even though i should only pay 15 dollar copay.... |
|
 Can anyone recommend a company that can provide life, illness and accident insurance all together? |
| I've found companies that offer life and illness together, but would prefer one that can cover all three.... |
|
 No health insurance? |
| OK, I had to go into the emergency room about a month ago because I went into shock from severe pain, but I didnt have health insurance. They sent me a bill and its for $10,550.00. I'm in the ... |
|
 Insurance wont pay for burglary? please help!? |
| My house recently got burgled. and most of my jewellery given to me as my wedding present (got married recently too) as well as lap top etc was stolen. the house was left a complete mess. luckily i ... |
|
 Insured Twice? |
| I have found out that I inadvertently hold 2 seperate Travel Insurance policies. Having just returned from holiday where my luggage was ransacked in transit and items stolen can I make claims on both ... |
|
 Do I need life insurance? |
| I am a single male home owner age 30, I live on my own and have no children. My girlfriend insists I should have life insurance but I don't see the point.... |
|
 Is mortgage protection insurance good idea? |
| if not how do i protect my mortgage payments when i loose my job or am ill for 2 years and can't earn money?... |
|
| Can I buy the life insurance? |
| My Mother is 52 and has no life insurance what so ever. Long story short I don't forsee her living more than 10 more years. She doesn't have any diseases, cancers, etc. and could probably ... |
|
 Whats with online Insurance? |
| You keep seeing these firms on the TV advertinsing their policies and saying that if you apply online for a quote you can get a discount. Well great but aftrer you fill out all the forms it come up ... |
|
|  |
pa_susie99 | Can an insurance company cancel home owners insurance because you own a dog? |
Additional Details
We have a friend that was told by insurance company that he had to get rid of his 2 labs because they are high on the bite list. If he diesn't get rid of them the insurance company will cancel him.
|
 |
 
Faye H
|
Yes, they can. However, Labs are not generally considered biters and I'm wondering what list they were looking at.
Have either of the dogs bitten anyone?
There seems to be something else going on here. Read the article below though and tell them to find another insurance company. Not all insurance companies are anti-dog. They're just anti-dogs that bite and I'm having a problem with Labs being classed as biters. They are not a breed known for biting. If they were, Guide Dogs for the Blind wouldn't be using them as one of their main breeds for Guide Dogs.
Additional info: Here's the only dog bite list I could find. Labs are not on it. (the number at the end of each breed is the number of fatalities between 1979 - 1998)
1. Pit Bull -- 76
2. Rottweiler -- 44
3. German Shephard -- 27
4. Husky -- 21
5. Malamute -- 15
6. Wolf-Dog Hybrid -- 14
7. Mixed Breed -- 12
8. Chow-Chow -- 11
9. Doberman-Pincher -- 9
10. Great Dane -- 8
11. St. Bernard -- 8 |
|
TaxGurl
|
I had a german shepherd and had to carry extra insurance on my policy to cover anything she might do. I also had to show proof that she had attended and passed a reputable obedience school but I was able to get a reasonably priced policy. |
|
Crighton
|
Every insurance company has it's own policies regarding animals in the household. Typically insurance companies will prohibit any animal which has either had a bite history (bite someone who then filled a claim, etc) or is likely to (think of all those pitbull eats baby stories you hear about on tv).
Most insurance company's will not write policies if certain conditions are met, such as the presence of exotic (think aligator, LARGE snakes, etc) or dangerous animals (dobermans, rotwilers, akitas, pitbulls, etc).
If it should somehow come to the attention of the insurance company that you've got 14 pitbulls in house then yes more than likely they will non-renew your policy.
This is a company by company thing were there can be wide variation. The exact answer is buried inside the policy jacket the company sends you every renewal. The best answer can be found by asking your particular agent. |
|
OPM
|
Yes they can. It is a potential liability that they could have to pay claims on. Generally that is not a reason, however if your dog is a particularly aggressive breed or has bit people, then it is reasonable since the premium they would have to charge to cover the risk would be so high, you wouldn't pay it. |
|
jackson
|
Add detail as no one is a mind reader. |
|
hummingbird
 |
Well first off, Labs are NOT on the "bite" list. They have certain breeds that they can either deny writing the insurance or have the insured sign a waiver stating there is no liability coverage in the event of a dog bite. The only way they would not write labs is if their dog has already bitten someone. My advice is to check around for another insurance company, who knows, they might even save money. |
|
mbrcatz
 |
Yes. They can cancel for any dog that's bitten anyone before, or if they have a list of "high risk" dogs filed with the state and your dog is that breed or partially that breed, they can cancel for "increased risk" if the animal was not originally disclosed on the application. |
|
MARK S
 |
Yes.
Labs are not on the undesirable list of breeds. However, if the labs are very aggressive or vicious or have a bite history or maybe part lab and part undesirable breed that show aggression then the insurance co. will have issues with that. They will not tell someone to get rid of their dog, they will just non-renew the policy. Some companies will let you exclude coverage for the dog. |
|
hightechchic
|
It's all based on whatever contract they have approved by your state.
If they have a list of animals listed in the contract that they will not allow for any homeowners policy as part of their standard underwriting rules, they are required to apply it equally.
To the extent that a member of my staff (who has been with our agency for 19 years) had her own insurance policy under review for non-renewal after her cocker spaniel bit someone. As it turned out, there were witnesses who testified that the person who was bitten had been kicking the dog and hitting it with a stick before the dog bit him.
Since the court case was thrown out and the witness info said the attack was provoked, we were able to keep her policy from being cancelled. That's the ONLY reason we were able to keep it.
In some cases, if the dog does not have a history of biting, the insurance company may keep the policy if a particular type of certified training is completed; however, once again, that would come down to what type of contract was on file with the state. |
|
Feline05
|
No they cannot. They cannot dictate who or what lives in your house. Read your contract that you have with them and ask alot of questions and have them put in writing why they cancelled you. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 3 minutes(s) ago
| | | |
10 | 42 minutes(s) ago
| | | |
10 | 2 hour(s) ago
| | | |
10 | 3 hour(s) ago
| | | |
9 | 7 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
10 | 6 day(s) ago
| | | |
10 | 2 week(s) ago
| | | |
7 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
