My mother in laws dog bit my ten month old son on the ear and arm sunday, and my father in law is turning it in on his home owners insurance (the dog is covered) and trying to get pain and suffering money. I was just wondering if they would get anything out of it.
2007-08-07 16:42:37 · 9 answers · asked by ... 1 in Business & Finance ➔ Insurance
Well, they're going to get a cancellation notice out of it. I've never seen an insurance company stay on a homeowners policy once there's a dog bite claim. And then they'll have a REALLY hard time getting anyone else to insure their house.
As far as the claim goes, it's going to depend on how much you have in medical bills - how bad the injury was, if it is going to leave any permanent scarring. As a mother, if it were MY child that was bitten and I was asking this question, the EXTENT of the injuries would be really big on my mind . . . so I'm guessing there weren't any stitches, and maybe the dog didn't even break the skin - in which case you'll get NOTHING.
But your in-laws will still have a major insurance problem on their hands. And they'll have to get rid of the dog, at the very least.
2007-08-08 01:42:25 · answer #1 · answered by Anonymous 7 · 2⤊ 1⤋
Why would THEY get money for it your child was the one bit! Sounds like your Father in law is trying to run an insurance scam. I would be VERY leery of this especially if they are using you and your son to do it.
If you want to file a claim that is one thing, but they shouldn't be able to get pain and suffering since it was your child who went through it. Dog bites are tricky, you could get medical treatment but probably not much for pain and suffering unless the bite is extremely severe and your child is going to need surgeries and suffer long term, etc.
Be aware they are going to get dropped by their insurance after this and probably will have a high risk rate with anyone they try to insure with in the future. Not to mention depending upon what state they live in and what the dog biting rules the insurance company could demand the dog be put down as some states have a one bite rule.
2007-08-08 11:23:37 · answer #2 · answered by Wicked Good 6 · 0⤊ 0⤋
The insurer will pay for medical bills, however unless there is permanent disability, serious disfigurement and/or some sort of mental impairment that has arisen from the incident you will have to sue for further damages. The insurer is only obligated to pay for damages that your parents are legally liable for. While the medical bills would be a no brainer, something subjective like pain and suffering, especially when dealing with an infant, would require a judge and/or jury to decide. However it is always possible that the insurer will settle on this issue in order to avoid the expense of going to court.
BTW your in-laws should be prepared to be dropped like a live hand grenade by their insurer on their next renewal. Should make for some fun Thanksgiving dinner conversation.
2007-08-08 06:46:06 · answer #3 · answered by Gambit 7 · 1⤊ 0⤋
Your FIL is being rather silly here. Pain and suffering for a ten-month old who cannot describe if he has any pain and suffering ? His insurance company will pay your child's medical expense. If he thinks he's going to get anything else, he needs to contact an attorney to have you sue him on your son's behalf.
Furthermore, his insurer will now cancel his homeowner insurance, and no other insurer will pick him up unless he puts the animal down.
2007-08-07 16:51:12 · answer #4 · answered by acermill 7 · 1⤊ 1⤋
Honestly, that's the most ridiculous thing I've ever heard!
The insurance may very well pay your son's medical bills, but that's the only thing it's going to pay in this case. And if any claim is submitted, what your FIL may very get is an increase in premiums at the next renewal.
2007-08-08 03:42:06 · answer #5 · answered by Christie 4 · 1⤊ 0⤋
Let me get this straight: your in-law's dog bit your son, and he's trying to get his insurance company to pay HIM for pain and suffering? I don't know whether to laugh or cry.
If anybody should get pain and suffering, it should be on behalf of you or your son. You have one heck of a case to get some sort of medical payment from your in-law's insurance, possibly even liability payments since your in-law's will no doubt be considered negligent for having a dog around children.
I suppose he can always ask...
2007-08-07 20:25:04 · answer #6 · answered by Dave1001 3 · 0⤊ 0⤋
Why would the insurance company pay for pain and suffering? The child got bit, you can sue your inlaws, but their insurance company is not going to pay that, and if they did, your FIL will have his insurance bill skyrocket.
2007-08-07 16:47:59 · answer #7 · answered by Donna J 2 · 2⤊ 0⤋
Umm..How is your son? i'd be plenty extra obsessed with him than coverage. If he's wonderful, your mothers and dads could drop the declare. as long as your scientific well being coverage covers it, you haven't any longer any concerns and no extra beneficial organisation in this remember. and you do no longer choose the canines placed down, do you? which would be a possibility if the canines is a volatile criminal accountability.
2016-12-15 08:48:11 · answer #8 · answered by ? 4 · 0⤊ 0⤋
yes if it happened on their property and yall dont live there.But it would go to you not your fil
2007-08-07 16:48:41 · answer #9 · answered by Anonymous · 0⤊ 2⤋