I was driving my fiancee's PT Cruiser back to the house, and neighbor's loose yellow lab ran at full speed right into the street, and it never saw me coming.
The woman who owns the dog was crying, saying it was chasing a cat across the street.
I wish dog owners in our neighborhood were more responsible with their animals, just like we are with our dog.
The police came, and he said that they are 100% responsible for the damages to the car.
Front left side of the bumper is caved in, the front grill was pushed in, there's dog hair stuck in the bead of the wheel and tire, and I've got this vision of the dog getting hit by the car, flipping upside down, and spinning away from my car, coming to a stop next to the wheel of a car parked on the other side of the street.
I'm very sad that the dog died.
I'm unhappy about the damage to the car.
But what I'm really upset about is the fact that the accident happened in the first place.
I'm not quite sure how to proceed at this point.
My gf's insurance company wants us to pursue the damages through the dog owners home owners policy, instead of through comprehensive coverage on her car policy. Going that route saves us the deductible, but then makes us have to put the dog owners through even more grief than they already are going through.
If we do it through comprehensive/collision, our car insurance said that they have nearly no chance of getting the deductible back from the dog owner's homeowners policy, and it would potentially remove our discount for no claims/safe driver.
The officer said that if we want, he will write the dog owners a ticket for an at large dog, that caused property damage, and all we would have to do is submit the cost of repairs to the court, and that would be included in any damages filed against the dog owner.
It's a situation I never wanted to be in, and could use a bit of help figuring out, if anyone has any solid advice.
BC.
The woman who owns the dog was crying, saying it was chasing a cat across the street.
I wish dog owners in our neighborhood were more responsible with their animals, just like we are with our dog.
The police came, and he said that they are 100% responsible for the damages to the car.
Front left side of the bumper is caved in, the front grill was pushed in, there's dog hair stuck in the bead of the wheel and tire, and I've got this vision of the dog getting hit by the car, flipping upside down, and spinning away from my car, coming to a stop next to the wheel of a car parked on the other side of the street.
I'm very sad that the dog died.
I'm unhappy about the damage to the car.
But what I'm really upset about is the fact that the accident happened in the first place.
I'm not quite sure how to proceed at this point.
My gf's insurance company wants us to pursue the damages through the dog owners home owners policy, instead of through comprehensive coverage on her car policy. Going that route saves us the deductible, but then makes us have to put the dog owners through even more grief than they already are going through.
If we do it through comprehensive/collision, our car insurance said that they have nearly no chance of getting the deductible back from the dog owner's homeowners policy, and it would potentially remove our discount for no claims/safe driver.
The officer said that if we want, he will write the dog owners a ticket for an at large dog, that caused property damage, and all we would have to do is submit the cost of repairs to the court, and that would be included in any damages filed against the dog owner.
It's a situation I never wanted to be in, and could use a bit of help figuring out, if anyone has any solid advice.
BC.