If you're a pet owner in Idaho and you're involved in an auto accident, you may be wondering if your furry friend is covered under your auto insurance policy. The answer depends on the circumstances of the accident and the specific details of your policy.
Idaho is an at-fault state when it comes to car accidents. This means that the driver who is found to be at fault for the accident is responsible for paying for the damages and injuries that result. In the case of an accident that involves a pet, if the other driver is found to be at fault, their insurance should cover any damages to your car as well as any veterinary bills for your pet.
However, if you are found to be at fault for the accident, your liability coverage should cover any damages to the other driver's vehicle as well as any injuries that they or their passengers sustain. In the case of injuries to your pet, your liability coverage may also cover any veterinary bills that result.
It's important to note that liability coverage does not cover damages to your own vehicle or any injuries that you or your passengers may sustain. If you want coverage for these types of damages, you'll need to add collision and/or comprehensive coverage to your policy.
Another factor to consider is whether or not your pet was in a carrier or restrained in any way at the time of the accident. If your pet was unrestrained and was injured during the accident, your insurance company may argue that you were negligent and deny coverage for any veterinary bills. It's always a good idea to keep your pet secured in a carrier or with a safety harness while driving to prevent injuries and ensure that you are covered in the event of an accident.
In conclusion, whether or not pets are covered in auto accidents in the state of Idaho depends on the circumstances of the accident and the details of your insurance policy. If you are involved in an accident with your pet in the car, it's important to contact your insurance company as soon as possible to determine what coverage is available to you. Additionally, taking steps to keep your pet safe while driving can help prevent injuries and ensure that you are covered in the event of an accident.
So contact us today to talk about pet insurance!