Finally the weather has warmed up, the grass is green, and coats are in the closet. It's been a difficult winter for a large part of the country with unusually cold temperatures and plenty of snow. So summer weather is a welcomed and much needed change. This month I'm changing things up a little since the tornado season hasn't been too bad thus far, and hurricane season is predicted to be quieter than normal. I'm going to look at questions that we've received that are more related to summer in general.
Pet Care
Pets may be outside more in the warm weather as their owners garden, barbeque, or participate in other outdoor activities. There was a situation where an insured was visiting a relative and the relative's dog went into the shade under the insured's truck. Upon leaving, the insured was not aware the dog was under the truck and ran over him.
A claim was filed for the dog's vet bills. The question was what is owed: is the dog personal property, is the value of the dog owed, are the dog's medical bills to be paid? Good questions all. Under the limit of liability section of the personal auto policy, the policy states that the limit of liability for bodily injury is the most that the company will pay for damages for care, loss of services or death, arising out of bodily injury sustained by any one person in any one auto accident. Since the dog doesn't qualify as a person, the dog then becomes personal property.
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