On dog bites and other dog injuries… (Part 2)Written by Granny’s Mettle
Dog bites are very common injuries for both adults and children. People bitten by a dog can have permanent disfigurement, psychological trauma, and worse, even death. It is therefore necessary to always provide great care when dealing with dogs, even those that are considered as pets.
Precautionary measures are provided by experts and medical practitioners to avoid getting bitten. However, when one gets dog bites, one should know his/her rights, especially when it comes to recovering damages.
If you or a family is bitten by a dog, you should:
… try to identify dog. If dog has rabies, it is important that you should seek medical care and get appropriate vaccines against rabies.
… not argue with owner of dog. Arguing won't do any good, especially when owner doesn't want to believe what happened. Many owners believe in goodness of their pets that's why it's hard for them to accept that their dog would bite without severe provocation.
… not sign any papers or make statements on record. The dog owner, property owner or their insurance company might try to get you to sign papers or record your statements on tape. Take note that their primary goal is to get you to make statements that will help in their cause to avoid possible liabilities for your injuries. If this happens, you should consider having a lawyer present to assist you.
… make a report to police. Report incident to police and they will investigate circumstances of dog bite. They will then provide a report that may help establish incident.
What to do When an Insurance Company Breaches its ContractWritten by Lala C. Ballatan
Seldom do we understand some of mumbo jumbo in policy statements and contracts insurance policies that we avail of. However, insurance law regularly provides that should there be a vagueness or uncertainty in a policy, whether in choice of words or meaning, should be resolved favoring policyholder and against insurer. But if there’s no unclear content in coverage and policy is clear and explicit, clear meaning will be enforced.
Judges and courts interpretation of insurance contracts largely depend on what clients’ objective expectations are of policy, reasonably. But personal expectations of policy holder and are not reasonably supported by contents of contract is unenforceable.
The term “limits” refers to amount of insurance coverage. It is ruled that exceptions and limitations in a policy must be explained clearly in a language that’s understandable for all. This is so in order that there will never be denials of coverage. As such, insurance policy’s exclusions and limitations are always narrowly or strictly interpreted. Whenever there is a muddle over multiple meanings of exclusions or limitations, court has to interfere to give narrowest explanation.
So, why are we giving these bits of details regarding insurance policies to you? Its’ because that we’d like for you to know what to do if you, as a policyholder, have any lack of knowledge or misunderstanding with regards to insurance policy you’ve taken. Results like loss of benefits or forfeiture of rights, loss of benefits. You must know that as an insured, an insurer is required to bring to your attention some relevant information. It will also enable you to take action and secure rights provided by policy.