Vehicle accidents caused by animals…
Article by Chris Lodge from Kaslers. This article is for information purposes only and does not constitute legal advice.
Accidents caused by animals
A claim is regarded as a fault claim if the Claimant’s insurers cannot recover the amount they have paid in repairs or a total loss from any other person.
Consequently if a wild animal like a fox causes an accident by running out into the road, there is nobody against whom a claim can be brought, so the claim will be treated as a fault accident even though the driver was not negligent.
However, where a pet such as a dog or horse is the cause, the pet owner may be liable IF he has been negligent in allowing the animal to behave in such a way as to cause the accident.
Having said that if the negligent owner has neither pet insurance nor a house contents policy which covers damage caused by pets, it is normally very hard to recover whatever compensation is awarded.
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