I hope she has an excess liability policy. If she does, there is no question that she has liability coverage. Even if she doesn't, her homeowners insurance company should provide her with a defense, which is why we all pay for insurance. For those of you who don't have it, consider getting what is called an umbrella policy. It covers you for any coverage that you don't have specific insurance for. I have several excess liability (umbrella) policies that total $2,500,000. I got $1,000,000 for $40/year through my AERC membership (I have to be a member of AERC, which costs $65/year for a single, $15/year for
hubby). I also have one through my Farm Bureau insurance and one through my auto insurance company. I get $500,000 coverage from Farm Bureau for $94/year and my liability policy from AMICA (my auto company) is $286/year for $1,000,000. The main reason I got it 15 years ago was because of my horses. I had always heard horror stories about accidents just like this. Your beloved horse gets lose, someone hits it with their car and kills they horse and you get sued. I have always taken the approach that I want my insurance policies to be the most attractive thing to go after in a law suit, not my home or other assets.
This is terrible and it is even worse that she has to worry about being sued.
Carolyn Burgess Newton, TX
Sun, 7/5/09, Dalander@... <Dalander@...> wrote:
she' s also worried that the guy will sue...he was taken by ambulance but was out and taking pics of her place this morning and told her family that "the homeowner's insurance should cover this"...so she's worried about a lawsuit...the fences were NOT down...
A lady, Mindy, belongs to LL and GGG and is up at Ebeneezer Park this weekend with others...one of her horses at home spooked from the fireworks, jumped the...
A lady, Mindy, belongs to LL and GGG and is up at Ebeneezer Park this weekend with others...one of her horses at home spooked from the fireworks, jumped the...
How horrible... I am glad that I torture ummm desensitize my horses to the fire works/firearms when they are young, however if a group gets to running then it...
Thanks Kim and I know she knows that "things happen" but to get a call at a campout over 5 hours from home...that has to be just the worst...this horse, as I...
Please extend my condolences to the owner. Tell her not to worry what a DPS officer says. They usually are close to correct, but not quite right. I have had...
Yeah, she is talking to her insurance (homeowners) agent and they are investigating the fireworks angle - I think she is in Brazoria County and I KNOW we have...
In most cases that I remember while with Proverst and Humphrey you had to show that owner was neglient and livestock (horses, cattle etc) had to been known to...
Please let her know that we feel for her loss, no matter how it occurred and that sometimes no matter what you do or prepare for....horses are horses and...
Please let her know my prayers are with her. I just buried one of my studs last week. I know what she is going through. I was out checking my horses several...
Thanks for the prayers and kind thoughts...she's also worried that the guy will sue...he was taken by ambulance but was out and taking pics of her place this...
Thanks for the prayers and kind thoughts...she's also worried that the guy will sue...he was taken by ambulance but was out and taking pics of her place this...
Living on a FM road saved us. The horse was not hit but the driver said he swerved to miss the horse and hit a tree. He was not injured. Also he was speeding...
 I hope she has an excess liability policy. If she does, there is no question that she has liability coverage. Even if she doesn't, her homeowners insurance...
Yeah, she is talking to her insurance (homeowners) agent and they are investigating the fireworks angle - I think she is in Brazoria County and I KNOW we...
Well she and her hubby were out of town camping up at Ebeneezer...her mom was close to keep an eye...to me...it was just a tragic accident and this being a...
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