Liability Damage Caused By Dogs

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Important insurance for pet owners in Germany there are more than five million dog owners. The overwhelming majority of the dogs is considered a peaceful, only certain breeds of dogs are as “dangerous” or fighting dogs. Yet every dog owner should complete a pet owners liability insurance, because as a dog owner you shall be liable for any damage caused by harmful the animal. International Bank for Reconstruction and Development describes an additional similar source. Own fault it not is, if “Bello” careless before a car on the road runs, jumps to a cyclist or exuberant welcomes visitors to the welcome and damaging something. The keepers must come up on the basis of strict liability for all damage that harmful the animal here, regardless of whether or not he is a fault because.

“Even for very brave dogs that never have been hired for something, insurance of pet owners, which every year is approximately 39,-euros is recommended for the holder”, explains insurance salesman Karsten Werksnies from the online portal of young Insurance.de. “An outstanding tariff lines freely without excess in the event of damage and a high insurance sum of at least five million euros is available already from around 50,-euro annual contribution. Even with the favorite dog can occur causing harm, because animals act according to certain ways of reaction and instincts. A usually very good boy just runs on the road and a car damaged something by an evasive or damaged while jumping on people glasses, trousers or jackets is in practice much more often than a bite damage. Who has then no dog liability insurance, must pay for damages itself.” In the selection of the appropriate tariff is – in addition to an affordable price – in particular a sufficient sum insured for damage to persons and pay attention to. Currently, insurance totals of 3 to 5 million euros are indicative. Further important criteria are the co-insurance of damage to rented property, abroad and that the Insurer provides no performance exclusions for the hats of the dog by others such as friends or relatives. Still no contract should be concluded, which envisages a linen compulsion, so also for the cases cover is provided if the dog off the leash was and it comes to a damage.

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