Why would a fraudulent dog bite claim have an effect on the homeowner's ability to get insurance?
Posted on Jul 09, 2008 under Insurance Information |although the lease stated "no pets",my tenant acquired an aggressive dog. A visiting friend teased the dog and was nipped. Blood was drawn, EMT's arrived. We have pic's of the kid playing tennis and golf a few days later. My insurance company never paid a cent, yet i pay more for coverage because it is flagged as having an "incident" on my history. Is this legal? Can i do this to my archenemy? 
Seriously, isn't this a slippery slope? I'm guilty of nothing, the kid is guilty of fraud, yet i can't get discount insurance. if it matters, the house is in NY.
i have called several companies (all the way from the big, national guys to the local ones) and it seems to be the rule. i did submit pictures of the kid,so they didn't pay anything. but it still is considered an incident. it's not just a ny thing; it must be national, according to the companies.
July 9th, 2008 at 8:38 am
Yeah, it's legal - although slimy. That's a crap company you have - I would suggest switching.
And since you were flagged you can sue the renter for the increase.
July 9th, 2008 at 8:38 am
It might help to just get a different insurance company.
July 9th, 2008 at 8:38 am
NY Sucks dude. I also live here and own a Rottweiller. The biggest baby you will ever meet, however NY has deemed Them, Pit Bulls, and several otherdogs as dangerous and the insurance (if you can get it for these dogs) is outrageous. You should have taken pics and video of the kid playing tennis and golf andsent it into the insurance company. They may have been able to do something. Contact a Lawyer, maybe they can give you advice, go with an insurance lawyer, hewill know betterthan anyone.
July 9th, 2008 at 8:38 am
oh yeah it's legal, while you may not have committed any of the actions that resulted in the accident and then fraudulent action, you are still liable for your tenants, and it's your responsibility to enforce the lease. as such, they now see a history where you could be a higher risk insured because they don't know what else you might not keep from happening. you have to understand with insurance companies, it's all a calculation of expected risks based on the information they have, and the premium is adjusted based on that information.
April 3rd, 2010 at 12:19 am
This is the best post on this topic i have ever read.
April 3rd, 2010 at 2:11 am
You got great honest points here. I done a search on the issue and learnt most peoples will agree with your blog.
April 3rd, 2010 at 7:34 pm
You gave nice ideas here. I done a research on the issue and learnt most peoples will agree with your blog.
April 6th, 2010 at 7:30 pm
There are certainly a lot of details like that to take into consideration. That is a great point to bring up. I offer the thoughts above as general inspiration but clearly there are questions like the one you bring up where the most important thing will be working in honest good faith. I don?t know if best practices have emerged around things like that, but I am sure that your job is clearly identified as a fair game.
April 12th, 2010 at 5:58 am
I thought it was going to be some boring old post, but it really compensated for my time. I will post a link to this page on my blog. I am sure my visitors will find that very useful.
April 22nd, 2010 at 10:21 pm
This is a great site. Good sparkling interface and very informative articles. I will be coming back soon, thanks for the great article.
May 2nd, 2010 at 2:12 am
In truth, immediately i didn’t understand the essence. But after re-reading all at once became clear.
May 5th, 2010 at 6:24 am
You had great positive ideas there. I did a search on the issue and found nearly all peoples will agree with your blog.
May 11th, 2010 at 6:17 pm
Most helpful site and information
May 17th, 2010 at 11:08 pm
You had fantastic good ideas here. I did a search on the subject and discovered almost all peoples will agree with your blog.
August 3rd, 2010 at 5:54 pm
Thanks for the great post,i love to read articles that are informative and beneficial in nature. Reagan had to say on the subject….
This a little bit funny. I found your site via search engine a few moment ago, and luckily, this is the only information I was looking for the last hours. Drugs and sex do seem to go hand-in-hand….
September 16th, 2010 at 8:32 am
These foods will fill you up and assist your digestive program work nicely. These are not natural methods that the body is used to as the body wants more food and you usually give in after a few weeks of dieting.
September 18th, 2010 at 8:31 pm
Thanks for the great post,i love to read articles that are informative and beneficial in nature. for example, you assign a guest the time of 12:00 noon.
September 21st, 2010 at 1:20 pm
Heard about this site from my friend. He pointed me here and told me I’d find what I need. He was right! I got all the questions I had, answered. Didn’t even take long to find it. Love the fact that you made it so easy for people like me. More power You don’t want to look at reviews that seem to be rave reviews up and down the page.
November 18th, 2010 at 7:29 am
has it been provided free of charge?
November 27th, 2011 at 8:09 am
vad är flairing…
[…]s I wanted to state that it’s great to understand that someone also mentioned 1v[…]…
November 27th, 2011 at 2:26 pm
Kreuzberg…
[…]6 Good information, thanks for the info. Have a nice night! h3[…]…
December 13th, 2011 at 3:03 pm
orsay museet…
[…]l Finally a person who’s writing about something other than superficioul thin bv[…]…
January 18th, 2012 at 5:06 pm
… [Trackback] …
[…] Read More here: kingkings.com/2008/07/09/why-would-a-fraudulent-dog-bite-claim-have-an-effect-on-the-homeowners-ability-to-get-insurance/ […] …
January 23rd, 2012 at 3:20 pm
Danny…
[…]t Hello there, I am so glad I found your webpage, I really found you by mista jw[…]…