From the January 23-30, 2012 issue of National Underwriter Property & Casualty • Subscribe!

Man’s Best Friend—or Missile?

It has long been said that “dog is man’s best friend,” and many people feel that way about their family pets. They are so attached to their pets, in fact, that they frequently take them along with them in the car—and it’s not just a ride to the vet. They’re taking dogs to dog parks, day care and even play dates with other dogs.

This is all well and good, until one thinks about the distraction that having a dog in the car brings.

A survey of drivers who travel with their dogs showed that drivers admit to petting their dogs; using hands or arms to hold dogs in place while braking; using hands to keep dogs from climbing into the front seat; allowing dogs to sit on their lap; and feeding dogs treats while driving.

In addition to the driving distraction that Fido presents when he is a passenger in the car, there is also another safety hazard. In an accident, Fido becomes a flying missile, injuring himself and others as he bounces around the car. In an abrupt stop, Fido will keep moving at the speed the car was traveling. Take a 40-pound dog moving at 60 miles an hour, and the physics of the situation get ugly. The driver, passengers and dog may all be injured.

Remember that as far as insurance is concerned, a dog is personal property, so the Auto policy med pay doesn’t cover injuries to Fido, and the Homeowners policy doesn’t cover animals.

Some carriers are now offering coverage for animals traveling in cars. One carrier’s limit is $2,000; however, if you’ve ever taken an animal to an emergency vet, you know that $2,000 may not be enough to treat all of Fido’s injuries.

But all is not lost. A visit to most pet stores will provide you with a safety harness for your furry friend. While there aren’t any laws that Fido must be buckled up, if you buckle up yourself and your family, you may as well buckle up your best friend.

 

Comments

Resource Center

View All »

Complimentary Case Study: Helping achieve your financial goals By:...

Find out how a Special Investigation Union used TLOxp to save the company money and...

Do Your Clients Hold The Right CDL License?

Learn about the various classes of CDL Licenses and the industries that are impacted by...

Integrated Content & Communications: A Key Business Issue For Insurers

Insurers are renewing their focus on top line growth, and many are learning that growth...

High Risk Insurance Coverage in the E&S Market

Experts discuss market conditions, trends and projected growth in a rapidly changing niche.

Top E-Signature Security Requirements

This white paper covers the most important security features to look for when evaluating e-signatures...

EPLI Programs Crafted Just For Your Clients

Bring us your restaurant clients, associations and other groups and we’ll help you win more...

Is It Time To Step Up And Own An Agency?

Download this eBook for insight on how to determine if owning an agency is right...

Claims - The Good The Bad And The Ugly

Fraudulent claims cost the industry and the public thousands of dollars in losses. This article...

Leveraging BI for Improved Claims Performance and Results

If claims organizations do not avail themselves of the latest business intelligence (BI) tools, they...

Top 10 Legal Requirements for E-Signatures in Insurance

Want to make sure you’ve covered all your bases when adopting e-signatures? Learn how to...

PropertyCasualty360 Daily eNews

Get P&C insurance news to stay ahead of the competition in one concise format - FREE. Sign Up Now!

Advertisement. Closing in 15 seconds.