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Ahhh, now I understand. You sell insurance policies to earn a living. Go figure.
I'm not selling anyone here!!! I'm just educating you on the importance to protect yourself which you obviously either don't get or just don't care about, nor do you obviously care about others. Furthermore, I was responding to the OP's posts and how his neighbor could avoid being sued.
AND FOR THE RECORD......yes I sell insurance and would never sell anyone a product they don't need! I'm more ethical than that!
Last edited by CGab; 11-09-2016 at 04:47 PM..
Reason: Add
Just an FYI on home owners insurance...............it doesn't matter if your dog was in your yard if it bites someone you are still liable and your insurance would pay the victim out. I think the only time it may swing the owners way is if it was a burglar. And honestly, if it was my dog who bit a child I would DEFINITLY want my homeowners insurance to pay the victim out of my liability insurance because if it goes to court the family could go after ALL of your assets. AND I don't care if the child was pulling the dogs tail, it's a child who doesn't deserve to be bit!
I don't like to see a child bitten either, but it's sort of like telling a kid not to touch a hot stove. Some kids get it, some have to burn their fingers first.
The child wasn't pulling the dog's tail. He was teasing a dog chewing a bone in her own yard and had been told to stop and go home multiple times. The child was about 8 years old, as I recall. Eight years old is old enough to know the possible consequences of teasing a dog that was chewing a bone and old enough to understand the words, "Go home!"
Want to bet he never teased a dog chewing a bone again?
How would the victim know you had the umbrella policy? For your policy to make you a target, the person suing you has to know you have the policy. How do they shop for targets if they don't know who has an umbrella policy and who doesn't?
In general, it is assumed that a professional, such as a physician, attorney, accountant etc. will have a considerable amount of wealth that s/he will try to protect via an umbrella policy. The targeting usually occurs after an incident, but not always.
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