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 Texas Taco
Posts: 7499
   
Location: Bandera, TX | So very sorry.  |
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  Roan Wonder
Location: SW MO | We had this happen a few years ago. We turned it on our home owners insurance & they paid. They first had to come out and see if we were responsible. A gate had been left unlatched. You have to have liability on your livestock for it to cover it |
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 Stinky Cat Owner
Posts: 4097
Location: Oregon | I am soooo sorry for your loss |
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 Elite Veteran
Posts: 1119
| The insurance company should be calling me back today to let me know if they cover it or not. I honestly don't know what we would do if they don't... |
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 Pork Fat is my Favorite
Posts: 3791
Location: The Oklahoma plains. | I am so sorry for your loss. |
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 Elite Veteran
Posts: 999
Location: Sunny So Cal | I'm so sorry. No one should ever have to go through that. Sending prayers and hugs your way. |
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 BHW New Catch of the Day
Posts: 9884
Location: Missouri | So sorry to hear that. Might want to talk to an attorney in case the driver sues. |
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Elite Veteran
Posts: 1119
| Our insurance is covering it! The only possible good news I could get today.
Thank you everyone for your prayers and support. This has been the toughest day I've been through in a very long time. |
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 Angel in a Sorrel Coat
Posts: 16030
Location: In a happy place | I am so sorry. |
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 If it Ain't a Paint it Ain't!
Posts: 8519
Location: Mansfield, Tx |
Glad you got some good news out of this rough day....
I'm soooo sorry for your loss.... |
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 South Texas Hottie
Posts: 12130
Location: IM A DUDE!!!!!!! | MissouriJen - 2014-09-09 3:14 AM My worst night just happened. We live on a highway. One of my horses got out, was hit and killed. My favorite horse.
I'm hoping our homeowners insurance will cover everything, but does anyone have any experience with this? A minivan hit him, and my husband said it appears to be totaled. They took the driver to the hospital, but the cop said she was up and walking around. I am so numb right now, I don't even know what to do.
I had a horse get out and got hit by a truck around18 years ago. The people who hit my horse didnt go to the hospital. Their insurance covered their truck and got them a brand new one. They called us once to see if we could give them money to fixed their damaged truck. The truck had been damaged before and they wanted us to fix it like new. We were going to court but their insurance company didn't make the effort to come to court. I lived in south Texas and their insurance company was in Austin so they didnt feel the need to drive all the way down. Plus our lawyer told them how they contacted us wanting money which is a form of harassment |
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 Max is Back
Posts: 6795
Location: Flat Rock,IL | So sorry this happened to you. |
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Sideways Riding Expert
Posts: 11371
Location: ND--it snows, it floods, it snows, it floods | So sorry this happened but a good lesson to the rest of us to check our insurance and make sure that home owners or farm and ranch policy covers us if such a thing should happen. |
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| MissouriJen - 2014-09-09 11:47 AM The insurance company should be calling me back today to let me know if they cover it or not. I honestly don't know what we would do if they don't...
Get your policy out and read it very carefully. Insurance companies are sometimes guilty of not paying if they think they can get away with not paying. Educate yourself and don't just assume that what the adjustor tells you is correct. Your policy tells you what it includes and what it excludes, often times there are endorsements done for individual needs of various homeowners that your agent will set you up with. Some policies have what's called a "Country Squire" endorsement for horse owners. If you have such an endorsement (may have a similar name for different companies), you've paid extra for it and want to make sure you get what you paid for. |
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Elite Veteran
Posts: 1119
| runs4fun - 2014-09-09 2:10 PM MissouriJen - 2014-09-09 11:47 AM The insurance company should be calling me back today to let me know if they cover it or not. I honestly don't know what we would do if they don't... Get your policy out and read it very carefully. Insurance companies are sometimes guilty of not paying if they think they can get away with not paying. Educate yourself and don't just assume that what the adjustor tells you is correct. Your policy tells you what it includes and what it excludes, often times there are endorsements done for individual needs of various homeowners that your agent will set you up with. Some policies have what's called a "Country Squire" endorsement for horse owners. If you have such an endorsement (may have a similar name for different companies), you've paid extra for it and want to make sure you get what you paid for.
Thank you for the advice. We already decided we are going to be looking at our policy and see if there's anything we need to add. My mom mentioned that she has a $1mil umbrella policy in case anything would happen at their place, I'm wondering if we might need to do something similar.
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 The Famous Hot Wing Chicken Girl
Posts: 2964
| Prayers for you. |
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 Don't Wanna Make This Awkward
Posts: 3106
Location: Texas | Oh my I am so sorry you are going through this, prayers everything gets covered and goes smoothly and that you can move on |
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Expert
Posts: 2685
| Well thank the Lord its getting covered. Continued prayers for healing. Please know we are all here for you. If you need someone to talk to feel free. |
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 Veteran
Posts: 151
| I would also double check the state laws regardless! When I lived in OK, I had a horse get out and was hit...car totaled. My homeowners DID pay and then promptly raised our rates and canceled us at renewal (we also had a trailer stolen that year). It's hard to get alternate homeowners ins once you have been canceled.
I later found out out that with open range/fence out that we didn't have to cover it, his car insurance should have covered it. It ended up costing us in the long run a lot of money and headache. We had to wait three years before we could get any kind of competitive rate again. I don't know why my agent didn't give us better advice and/or know the laws :-(
Please double check before you make that homeowners claim!! |
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 Not Afraid to Work
Posts: 4717
| Prayers to you. This happened to a good family a few years back except it was 20 horses. They were told since they didnt have a history of this, it would be very helpful in the event of a civil suit.
Now as a dispatcher, we have several calls about horses (the same ones over and over) and if a good attorney ever pulled our records, the owners would be in a world of hurt due to the frequency and constant warnings.
These things happen and its so heartbreaking. |
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