Skolls081102 0 #1 April 14, 2005 My auto insurance was just raised $250 a year (they just realized I drive 25 miles one way to work). Anyway, I asked if my agent could look into new insurance (auto and homeowners- so it's cheaper) with a better price. She calls me today (a week and a half later) and tells me she found new insurance- $600 less a year for my auto, and $100 less a year for my homeowners. SO then she starts asking questions about my homeowners insurance plan (so she can update her file). So we go through all the B.S. and she gets to "Do you have a dog?" So I tell her yes. She asks me what kind, and I tell her a Doberman. Her immediate reply is "Well this new company won't cover you with a Doberman in the house." I ask why (already knowing the answer) and she says "Because they are dangerous." - not because they CAN be dangerous- they ARE dangerous. She informs me there's no way of not saying I have a dog, because they will do an inspection- so I told her fine, have them inspect my house, and they can meet my dog, who will run up, l.icke them to death, and try sitting on their lap. So I asked her what the legalities were of not giving me insurance, based on false and innacurate claims that my dog is dangerous. She said that it's the insurance companies right to deny me coverage. I FUCKING HATE NEW JERSEY!!!!!!! Sorry about that everyone, I'm just real pissed off here. My dog is an angel- he sleeps in our bed everynight (although I wish I coulod break him of that habit) and I trust him with my 18 month old son. My son climbs on him, hugs him, kisses him, and lays on him- and my dog just sits there and enjoys it. Anyone else have a problem with insurance in this way? Feel free to let me know how you handled it. Sorry for this long post, but I needed to rant. The sole intention, is learning to fly.Condition grounded, but determined to try.Can't keep my eyes from the circling skies.Tongue tied and twisted, just an Earth bound misfit. Quote Share this post Link to post Share on other sites
dbattman 0 #2 April 14, 2005 Give them the option to say no. Quote Share this post Link to post Share on other sites
lawrocket 3 #3 April 14, 2005 Insurance companies use actuaries to determine risk. Basically, they don't want to run the risk of getting stuck defending a dog bite action. You may want to ask them is there is any option for an exemption from covering dog bite cases... My wife is hotter than your wife. Quote Share this post Link to post Share on other sites
