AUTO INSURANCE ARTICLE

Getting Your Pet Auto Insured

By: coppeneur

For a number of Americans, pets are part of the family. But when you take them in the car with you, are they treated as family by insurance companies? Statistics show that about 29 million Americans drove with pets on trips of more than 50 miles during the last three years. The sad truth is, while most policies do cover pets hurt in other cars involved in accidents, most of these don’t cover your pets. So when you meet an accident on the road, you can claim injury and medical benefits for yourself and pets in the other car you have an accident with, but not for your canine or your cat.

Good news for you is coming though. An insurance company has introduced an insurance policy that covers your cats and dogs! The Insurance Information Institute said it knew of no other auto insurer that offered such policies besides Progressive Insurance.

But you may wonder, this is nothing new “I already have a pet insurance”. Pet injury coverage that comes with your auto insurance policy protects your dog or cat from injuries that result from accidents when they're inside your vehicle. Pet injury coverage is not the same as pet insurance, which only covers your pet in the event of illness or injury.

Maybe now you are already halfway convinced. After all you love your pets so much that you will do anything to protect them. But you may want to ask, “If the accident wasn't my fault, then will the other driver's insurance likely cover my pet? Therefore I don’t need this pet injury coverage?” You are right, with the property damage liability (PD) coverage of most insurance policies, your pet's injuries will only be covered if you were not at fault in the accident. And so, following this logic, if you are at-fault, your pet doesn’t get coverage.

Okay, to remove all your hesitations of getting one, maybe this will seal the deal. Pet injury insurance from Progressive COMES FREE, as a built-in feature of your auto insurance’s collision coverage. So, no need to think twice anymore of signing-up. Avail of this as soon as you can.

Besides, from Progressive Insurance’s initial offer of $500 coverage for your cats and dogs, it is upping its Pet Injury coverage for all auto insurance policies to $1000. The pet coverage includes vet costs and medicines when they're hurt in an accident. This provides extra coverage for your beloved dog or cat. As we’ve previously noted, the coverage is automatically included as part of the collision coverage. This offer applies throughout the United States except for New Hampshire and North Carolina.

To recap, while most companies cover pet injury under liability insurance, this only applies if you are not at fault for the accident. Enrolling to a pet injury coverage protect your pets an extra step —whether or not you are at fault — and at no extra cost to you. So what are you waiting for?