HOME INSURANCE GOING TO THE
By Chuck Wells
About a third of all lawsuits
against homeowners are now from dog bites. This means the money
you pay into your home insurance policy is taking a big bite
from these dogs. When a child is bitten by a dog, the parents
will sue (even if they are your best friends or closest
relatives) you so they can try and get an easy buck from your
insurance company. The insurance companies know that if this
goes to court, they will lose so they settle the claim and all
of us pay with higher premiums.
This is nothing new. We have been working on dog bite claims for
years. But the insurance companies have finally looked at how
much they have been paying out and are not happy.
So what is happening now?
Insurance companies have come up with a list of dogs (the “Hot
Dog List”) which are unacceptable because of their tendency to
- Alaskan Malamute
- American Staffordshire
- Chow Chow
- Great Dane
- Miniature Pinscher
- Pit Bull
- Siberian Husky
- German Shepherd
If you try applying for home
insurance now and have one of these dogs, most insurance
companies will reject your application and send you packing.
They don’t want to take the chance of your dog biting someone
and then they would have to pay out big bucks.
If you have a dog and it bites someone, your insurance company
will be asking you a lot of questions about your dog before they
agree to renew your home insurance. If your dog is one of the
breeds above, you will be history and the chances of another
company insuring you are not good. Keep your dogs away from
non-household members (especially children) and do not let them
run outside without supervision. It is your job to make sure
your dogs do not bite someone.
WHO’S YOUR WIFE?
Richard Usher, Jr. was arrested in Georgia for bigamy. The
new Mrs. Usher found out about the old Mrs. Usher when Richard
received an insurance payment after the old Mrs. Usher died. The
new Mrs. Usher was not pleased. The Detective on the case wrote:
“The only explanation Richard Usher could offer was that he did
not remember marrying (old Mrs. Usher).”
WEEDWACKER SAVES MAN
A 17-year-old boy armed with a .38 pistol approached 74
year-old Oran McGlamry and demanded his wallet saying: “Old man,
I’ve got you now.” McGlamry grabbed his weedwacker and ran
towards the boy. The surprised teen tried running away but fell
and McGlamry opened up the wacker full-throttle with the line on
the kid’s butt. “I was just trying to do what any other man
would have done to protect his business, his wife, and his
life,” McGlamry said. No word as to whether or not the kid will
sue for his injuries.
WANT ANOTHER TAX INCREASE?
In 1945, tax receipts of the federal government amounted to 23%
of the total national income. It is now over 40%. State and
local taxes have gone from 6% of the national income in 1945 to
over 16% now. The average taxpayer in 1945 paid 30% of his/her
income to federal, state, and local governments. It is now over
40%. And some people think we don’t pay enough taxes so it would
be good to raise them some more.
your feedback on this Article