N.Y. Groups to Study Effects of Insurers Denying Dog Owners Coverage

March 13, 2006

  • March 13, 2006 at 12:22 pm
    doxieman says:
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    I own 5 mini dachshunds. Two were born blind and one is 12 years old and has no teeth. I guess my carrier will cnale me now. Go to any shelter in the New York metro area and see hwat kind of dogs they have. Most wiull probably never be adopted

  • March 14, 2006 at 12:44 pm
    Product of social services Ren says:
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    Dog owner\’s from the East and West coast belong to the Department of Revenue here in San Jose.

    More than ever they are responsible for the intravenous fraud in connection with State Farm Insurance and California Compensation Worker\’s Comp Practice.

    HMO\’s…Foundation Health Plan

    Who let the dogs out? The Department of Health.

    The life line, the tow line and every imaginable social service\’s in the country contributed to the distruction of people\’s live\’s abroad and here in the U.S.

    The dogs here like Malik M. Hasan, are the greedy Pakistan Army, sent here to America to infiltrate the health system and distribute funds to President Bush, for the annihilation of the Sunni\’s.

    Who the dog handler\’s: Saudi Arabia

    Shabi Khan you are the #1 protege in my case to enhance your totals of $$$$$$.

    Get out, get out now…& State Farm Insurance, your sick!

    Take Malik Hasan, M.D. Spy with you.

    America has it\’s own deceptive medical association to deal with.

    Got that AMA, CMA, Santa Clara Medical Association, Egyptian Health Net lover\’s.

    Your AKC dog show is over.

    Don\’t mess with my blood line, I\’ll track you down like the blood hounds you are.

    And, if you haven\’t gotten my name right, that\’s in the scum doctor\’s reports you didn\’t bother to investigate.

    Your attention to detail is costing live\’s, not only in California but, to the New York Coast.

    If you have any objections to my comments, look in past complaints on a Arthur Lewis Messinger, M.D. the one who took the Oregon Trail to infiltrate.

    I have a world view of what you let these monster\’s do to patients and there families.

    You should be on notification to terrorism involvement with your lack of judgement and contemt for reality.

    In case you don\’t understand, feel free to call…

    Call often, I\’m not in any hurry to go anywhere! but, to stand up for the abuse you let the like\’s of President Bush envade Irag for with dollar projection\’s for the Spring 20th day of March.

    One, my son did not contribute for, but you stole to advance.

    One, more addition: If I find anymore coding to support your fraud including using my Grandfather\’s address on 127 Hinsdale Road, Camillus New York. 13031. You will be notified and notified plenty with my findings.

    Stay out of my families records!

    LA-Health Net. Your right, your balls. Full Court Press.

    And, for your shiit friends in Irag, do your own dirty work. Don\’t act all surprised, don\’t act like you didn\’t know about the sanctions, and don\’t use that as an excuse! Your full intentions were to use that as an anchor for your cause.

    Don\’t count that even the less educated can\’t determine your subjective motive\’s.

    From my position, I see!

    Killing, Property distruction is not the answere, Solutions find the answere. The creeps here in California are to bold in game, but lack in honor.

  • March 14, 2006 at 1:17 am
    My Language says:
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    To California Compenstion Insurance Company and the Lawyer\’s who represent them.

    My Father\’s Name is William Raymond Kegley, yes, I too know that you went through my entire apartment to gain information.

    His date of Birth was 3-13-26, he died 10-10-1999. I didn\’t get to visit him as often as I wanted. For that I blame you!!!

    He was in the South East Asia War, he was not into killing innocent women and children.

    1972-1973, I missed him like any child who currently has a family member deployed or volunteered.

    If he were alive today, and knew, what our government & President has given away as trophies for oil, money and the freedom and peace in American & Iraq, I belive he\’d die sooner, than later for treason.

    Know your pace, expierence your pace, trust your pace.

    That I do.

    Do come any closer than you already are in my medical history or any social contacts to support your claims and your options are, all forward.



    Discontinue! My family is not stock!

  • March 13, 2006 at 1:23 am
    Chas. says:
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    I don\’t know of any copany that has cancelled an insured because they own a
    dachshund. Owners of bull terriers you have a problem.

  • March 13, 2006 at 1:27 am
    TXGuru says:
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    I\’ve worked with insurance carriers on both sides of the argument. My former employer (which did not write in NY) kept a list of \”prohibited breeds\”. Much of it was based on the isolated horror stories and media sensationalism of specific attacks, with the rest propped up by natural aggressive tendencies of the dog breed in question. Your typical offenders were all included (pit bulls, akitas, chows, etc.).

    My current employer is much more enlightened. I recently conducted an in-depth study of our pet liability losses, and found that in our experience, breed was not an indicator of risk. Dogs from pomeranians to pit bulls, shelties to shepards were responsible. In most cases, they were either provoked, or the result of negligence on the part of the owners.

    I say most, because there were cases where there was just a bad dog. I\’ve had that happen to me. We adopted a chow, and she was a vicious little beast from Day 1. Never had problems with dogs before or since. Sometimes you just get a bad, mean-tempered animal. Who knows if it was genetics, abuse by the prior owner, or something else.

    But you can no more paint a particular breed of dog with a broad brush than you can any other species. Would you automatically consider all people of a particular ethnic background to be racist based on the actions of a few ignorant bigots? How about labeling an entire culture as terrorists based on one group of extremists?

    Oh well. Off the soap box.

  • March 14, 2006 at 1:27 am
    Me says:
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    To Continue, since my time is ripe.

    My son\’s birthday, social security number, no matter how you use it, is exposed.

    I figured your codes, And if you have any objections to THAT!!! Your discredit!

    Come March 20th, 2006, his 18th Birthday will be celebrated for what it meant to me.

    Not, your records keeping or any other tangible profit attachment you peg for yourselves.

  • March 13, 2006 at 1:27 am
    Kim says:
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    We had a customer whose dog bit a relative. He said don\’t worry – if we take care of his medical bills he will be fine – he is family. Sure – next thing we know the reserve on the claim has increased to over $70,000.

  • March 13, 2006 at 1:37 am
    Kenny says:
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    Why doesn\’t the insurance dept. approve a dog-owners premium surcharge on homeowners policies? Perhaps that will loosen the market. While they\’re at it we could use a premium surcharge for exposures such as swimming pools, trampolines, guns, woodstoves, acreage over 5, etc. I own none of these and feel my premium rate subsidizes those who choose to have these increased exposures.

  • March 13, 2006 at 1:59 am
    Bob says:
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    Why do they need to do a study?!? The unfortunate response to a blanket policy such as this is to get rid of the dog. Finding a new home for the animals will be next to impossible. Why? Are you going to adpoted an animal thats going to cause your ins. premiums to go up? Of course not! The simplest answer to this dilema is to have the insured sign a waiver(no liability coverage for dog bites) if they own one of the listed dogs. That way, they can have both and live quietly there after.

  • March 13, 2006 at 2:04 am
    have a dog says:
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    Nonsense. Do you really think an innocent third party, injured by dogbite will not attempt to recover even with a waiver. What about the sympathetic judge and jury?

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