Hello, I live in Southern Ontario. Recently my dog escaped my yard and was struck by a vehicle. Luckily my dog survived the accident without any severe damage. The car on the other hand needed $1,500 in repairs. I’m just curious as to who is liable for the damage? Would it be the drivers insurance company? My home insurance? I heard that if a vehicle strikes an animal, then there coverd through automible insurance under no fault. I’m trying to find more information on this matter. Any help would be appreciated.
![[Google]]( http://www.autobodyshoptoronto.com/wp-content/plugins/easy-adsenser/google-light.gif)
the person who wrecked. should have both coverage…if not then its his own fault for not paying the extra bit. so if he doesnt have the insurance then it comes out of pocket.
i wrecked a couple of yrs ago avoiding a raccoon or something (i know, stupid) anyway, i didnt go after the animal to get the money
I think you’d be responsible for not having your dog securely in your yard.
interesting scenario – usually it’s the other way around. I’d say that if your dog got away due to your negligence then you are liable – and that would probably go under your homeowners – just like if rover bit someone.
You’re responsible because your dog has to be leashed at all times in public. Doesn’t matter if it escaped, it was your responsibility to make sure it couldn’t.
The car owner can choose to go through his own insurance and make you pay only the deductible, if you’re lucky. Or if he doesn’t want to or doesn’t have full coverage, then he can choose to go after you for the full amount.
But it is 100% your fault.
Sometimes insurance companys will pay for
damage. If the driver knows whose dog it is,
then he could make the owner pay. The same
is true for a farmer whose livestock gets out,
then he is liable for any damage that is done.
{i think}
Some states or countries have different laws
regarding this situation. ps. must have been
some dog.
Your dog, your liability. It’s not a deer or a raccoon people, it’s a dog. Domesticated animal. Same rules apply as if you were a dairy farmer and one of your cows escaped and caused a wreck. Why should the drivers insurance company cover your dog? I’d even bet there is a leash law that prevents dogs from running loose where you are.
Pay him the $1,500, then see if you stand a chance getting it back from homeowners insurance.