How To Cover Pet Injuries Through Car InsuranceAmericans spend $41 billion annually on pets. With these kinds of numbers, it's only natural that you, as a pet owner, would also want to protect your dog or cat with auto insurance while it travels with you in your car.
Does Liability Insurance Protect Pets?
If your dog is injured in a car accident while riding along with you, it's veterinary care will be covered on an accident claim provided:
- The accident was not your fault.
- The negligent driver carries property damage liability. Your dog under this policy would be classified as personal property. Don't take offense at your pet being referred to as property. The manner in which car insurance policies are written, bodily injury only applies to humans.
If, however, your driving error caused the accident, the pet injury expenses would not be covered under your liability insurance coverage.
Find Auto Insurance to Protect Your Pet
To guarantee coverage for your pet in an car wreck, regardless of fault, you'll need to check around. Each car insurance company governs differently when it comes to pets. A few provide coverage, most others don't. Just as it is for every other kind of insurance, it's a matter of shopping around for coverage that will protect your pets.
The few auto insurance companies that do protect pets provide the coverage under collision at no extra cost. Limits, depending on the provider, range from $500 to $1,000. For the sake of clarity, collision, unlike liability insurance, pays for your accident claim―up to the policy limits―without regard to fault.
Whatever you do, don't make the mistake of assuming that regular pet insurance will cover your pet's injuries sustained in a car accident. It won't. It only covers for illness.
Tips on Keeping Your Pet Safe
- Don't let your pets roam freely. This especially applies to cats.
- Don't let your dog sit in the front seat.
- Don't let your pet sit in your lap.
- Don't let your dog ride with its head out the window.