Lets face it, people loves their animals. It’s no surprise then to find out that an animal was injured in the car crash. So what do you do if you had an animal that was hurt in a car accident? How do you make that claim?
Animals fall under the property damage of your claim. The animal falls under the same category as gold clubs being ruined or a car seat that needs to be replaced. So what that means to you is when you get your car fixed, make sure to let the adjuster know that you had an animal that was injured in the car accident and that you want the animal’s medical bills paid for. Make sure you compile all the veterinarian charges and submit them to the adjuster at the same time you submit the estimates for your car repairs.
Because animals are considered property damage, the insurance company is only responsible for the cost to replace the animal if it died in the accident. If you had a $20 pound cat, the insurance company will only be required to pay you $20 to replace it. This can be a hard thing for people to understand because the animal is often considered a part of the family. The best thing to do at that point is try and get a little more money in your pain and suffering claim, but be aware that you will probably never recover the full sentimental value you had for the animal.
