i was involved in an accident this morning with a horse, yes a horse. it was very foggy and the darn thing appeared out of knowhere almost disoriented and ran straight for my car, i slammed on the brakes and swerved hard right but couldnt avoid it. anyways, in ohio, we found the owner and he has insurance, do i have anything to worry about, the state trooper took a report.
2007-11-11 14:02:28 · 5 answers · asked by adamc44 3 in Cars & Transportation ➔ Insurance & Registration
In most states and with most auto insurance companies a collision with an animal is covered under your comprehensive coverage...if you have it.
If you do not have comprehensive then your auto policy will not apply. You will need to go after the owner of the horse to cover your expenses. If the owner doesn't have good coverage, drags his feet or disputes your claim then it can be a lengthy process.
Just to let you know if you had swerved out of the way and instead hit another car or tree or something, you would be considered to be at fault for the accident. Most likely it would also be considered a loss of control which weighs heavier on your rates than a regular accident. It is a strange logic but next time...just hit the animal!
2007-11-11 17:40:28 · answer #1 · answered by AZSanchito 1 · 1⤊ 0⤋
The owner of a domesticated animal is responsible for keeping the animal contained and off the public roadways. Some years back, I hit a dairy cow in similar circumstances (about the same effect as hitting a horse). My insurer paid for the considerable damages to my automobile, and then proceeded to collect damages from the dairy farm operator from which the poor beast escaped.
2007-11-11 14:11:59 · answer #2 · answered by acermill 7 · 0⤊ 0⤋
Collision with an animal is a "comprehensive" claim, and the owner of the animal is usually responsible for any damages done by the animal.
But collecting is another matter.
It will be easiest if you file the comp claim under your own policy, and let your insurance company try to collect the money from him.
2007-11-12 01:04:23 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
Does Ohio have an "Open Range Law?" If so, the car owner is responsible for the damage to the animal. If not, the reverse applies.
2007-11-11 19:17:29 · answer #4 · answered by Bostonian In MO 7 · 1⤊ 0⤋
YES THE OWNER IS 100% RESPONSIBLE FOR ANY AND ALL DAMAGES BUT YOU WILL HAVE TO PROVE THAT IT IS THERES.
IT IS THE SAME IF YOU SHOULD HIT A LOOSE COW AND I HAVE SEEN THIS MANY TIMES BUT THE ONLY PROBLEM IS PROVING OWNERSHIP.
2007-11-12 00:16:05 · answer #5 · answered by Anonymous · 0⤊ 1⤋