Many people are buying pet insurance these days to help cover the medical costs of pet illnesses. But what about a car accident that involves a cat or dog riding in the car? Are injuries to pets covered under auto insurance? Read on to find out more.
Your Pet and Your Auto Insurance
Pet coverage on your auto insurance policy depends on your company and your specific policy. In addition, the type of pet you are trying to insure makes a difference. Many car insurance companies now include pet coverage in their standard coverages. If your company has not yet taken this step, you can ask your insurer if there are add-on coverages available to protect your pet. If you are with a company that does not include pet coverage for free, this will cost some money, but likely not as much money as veterinary bills.
The pet injury coverage provided by most companies will cover veterinary bills and medications for your pet if they are injured in an accident in your vehicle. Some companies will only cover if you are found to be at fault for the accident and some companies restrict coverage to dogs and cats only. If you are not at fault, most likely the other driver’s policy will cover your pet using their property liability coverage.
What Coverage is Used to Protect Your Pet?
So, how does pet coverage work? Depending on the specifics of the accident, there are several ways your pet’s injuries could be covered.
If You Are At Fault for the Accident
If you have been found to be at fault for causing the accident most often your collision coverage will cover your pet’s expenses, as long as this is part of your policy. If your policy does not have language that extends coverage to your pet, and you often drive with your pet, you should consider updating your policy if possible. If not, you may want to find a company that will include your pet under your collision coverage option.
If You Are Not At Fault for the Accident
For the purposes of coverage, according to auto insurance companies, your pet is property. If you are not at fault in an accident and your pet is injured, the costs will be covered by the other driver’s liability coverage. Specifically, their property damage covers the medical costs for your pet. This means you will have to file a claim to have your pet expenses cover.
If your auto insurance company does not include pets as part of your policy, it may be time to shop around for a new car insurance provider. Use the Official Auto Insurance form to find companies that include coverage for pet passengers. Compare quotes to help protect your property, your family, as well as your pets.