{"id":120634,"date":"2023-11-01T12:19:24","date_gmt":"2023-11-01T12:19:24","guid":{"rendered":"https:\/\/yourclomid.com\/?p=120634"},"modified":"2023-11-01T12:19:24","modified_gmt":"2023-11-01T12:19:24","slug":"3rd-party-insurance-can-it-be-claimed-to-treat-injured-animals","status":"publish","type":"post","link":"https:\/\/yourclomid.com\/auto-news\/3rd-party-insurance-can-it-be-claimed-to-treat-injured-animals\/","title":{"rendered":"3rd-party insurance: Can it be claimed to treat injured animals?"},"content":{"rendered":"

If yes, perhaps a lot more of us would be more willing to help a stray animal in distress.<\/h2>\n

BHPian Yesterdaysnews<\/strong> recently shared this with other enthusiasts.<\/p>\n

I was wondering – if we hit an animal and it doesn\u2019t die and we get it treated at a registered veterinary hospital- can the expenses be claimed under 3rd party insurance?<\/p>\n

Has anyone had any experience doing so, please?<\/p>\n

Any injury caused to 3rd parties must be covered. So are not animals 3rd party?<\/p>\n

Update:<\/strong> Where I came from is really if we or someone else runs over a stray animal, and we rush it to the vet, could we ask for the insurance to cover hospitalisation?<\/p>\n

Because if yes, perhaps a lot more of us would be more willing to help a stray animal in distress. Vets are quite expensive nowadays and free shelters that offer care and medicine are overloaded.<\/p>\n

Here’s what GTO<\/strong> had to say on the matter:<\/p>\n

\n

Any kind of claim under 3rd-party insurance is extremely long-drawn, tedious & cumbersome. This is by design (by the insurance companies) and a large chunk ends up in court. I have usually seen people pressing through the long process only when there is a loss of life\/disability and the amounts are thus significant.<\/p>\n

Else, people usually use their own insurance or pay for themselves.<\/p>\n<\/blockquote>\n

Here’s what BHPian condor<\/strong> had to say on the matter:<\/p>\n

\n

I don’t think so, though cattle are otherwise considered as property of a person.<\/p>\n

TP insurance is to be able to cover the damages faced by the other party (people \/ their vehicle) in an accident. Insurance companies will mostly cover only the vehicle and the people and not even their belongings in their vehicle. When we see this part, animals\/cattle of the opposite party would not be covered under the TP coverage.<\/p>\n<\/blockquote>\n

Here’s what BHPian thanixravindran<\/strong> had to say on the matter:<\/p>\n

\n

I believe FIR is mandatory to claim third-party damages. Either the third party or their legal heir can make the claim. For humans and property, it is easy due to the legality of ownership can be established.<\/p>\n

For animals, it may be tricky. I believe in case of pet injury, insurance may ask for proof of ownership like a licensed pet. One has to prove it is due to non-negligence from pet owners like a dog out of a leash on a public road. One can’t claim for stray animals as there is no proof of ownership.<\/p>\n

Motor vehicle accident tribunal I believe is for cases for not agreeing on the compensation amount offered by insurance.<\/p>\n<\/blockquote>\n

Check out BHPian comments for more insights and information.<\/p>\n

Source: Read Full Article<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

If yes, perhaps a lot more of us would be more willing to help a stray animal in distress. 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