Mdumbblonde
Junior Member
What is the name of your state (only U.S. law)? NY
I have a yellow lab that is about 9 years old. Last year he bit a neighbors child. We didn't witness the bite so we don't know if our dog was provoked. The damage was a small punture on the forearm. It didn't require stitches and he doesn't have a scar. The parents were demanding money for his pain and suffering so we went back and forth and then were advised by a lawyer friend to settle it through our homeowners policy. Well, the insurance company paid them and we hadn't heard anything for the past year. We just received notice that we are being dropped by our insurance company because of this claim. The reason we are being dropped is "on our record" so we can't find another company to insure us. Our current company is willing to reinstate us as long as we no longer have the dog. I'm not sure what to do with the dog. I guess he'll have to be destroyed. Someone suggested to me that I keep the dog but tell the insurance company that he is gone. What would happen if there was another incident?
I have a yellow lab that is about 9 years old. Last year he bit a neighbors child. We didn't witness the bite so we don't know if our dog was provoked. The damage was a small punture on the forearm. It didn't require stitches and he doesn't have a scar. The parents were demanding money for his pain and suffering so we went back and forth and then were advised by a lawyer friend to settle it through our homeowners policy. Well, the insurance company paid them and we hadn't heard anything for the past year. We just received notice that we are being dropped by our insurance company because of this claim. The reason we are being dropped is "on our record" so we can't find another company to insure us. Our current company is willing to reinstate us as long as we no longer have the dog. I'm not sure what to do with the dog. I guess he'll have to be destroyed. Someone suggested to me that I keep the dog but tell the insurance company that he is gone. What would happen if there was another incident?