Lack of Insurance Muzzles ‘Dangerous Dog’ Ordinance

June 27, 2005

  • June 27, 2005 at 4:53 am
    Grant says:
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    Unfortunately you’ve started off on another Breed specific jihad without some important facts. Rottweilers are not an inherently dangerous breed, but they are an inherently strong breed. They do have breed characteristics that can cause problems in the case of 1: Bad Breeding;
    2: Bad Training;
    3: Bad Owners.

    Strangely enought these are common to all breeds.

    If you check long term bite records you’ll find that the Rottweiler’s bite frequency is not has high as several “good” dog breeds.

    Pit bulls do have an inbreed tendancy to bite, but its other dogs. All dogs will bite under the certain circumstances.

    Rotts get a lot of bad press because when they do bite the can cause real damage, and they are big dogs not little white ‘rag-mops’. They are actually one of the oldest breeds, and can be traced back to the Romans. The were draft animals in Europe (Germany). They are excellent cattle hearders also, but not too much of that going on anymore.

    The comment about the “nut case” owners isn’t worthy of comment.

    I personally don’t want the government making any choices for me. The start of this article is proof enough that they aren’t very good at it.

  • June 27, 2005 at 5:11 am
    Lisa says:
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    Grant,
    Perhaps you should do a little bit more research. The dogs you reference are far from angels. There are reasons certain breeds are excluded from most homeowner’s policies; it’s because they cause an inordinate number of liability claims.

    I am so sick of hearing “It’s not the dog; it’s the owner.” I’d like to hear your explanation for the so-called non-dangerous dog who’s been the “family pet” for numerous years who suddenly snaps and kills the family’s child.

    These types of animals have no business being in a densely populated environment. I don’t really care if you choose to put your family in danger but when your choice puts mine in danger I have a bit of a problem with that.

  • June 27, 2005 at 5:13 am
    Lisa says:
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    P.S. I’ll give you a thousand bucks if you can find ONE instance of a Cavalier King Charles Spaniel causing ANYONE serious bodily harm, even with bad breeding, bad training or bad owners.

  • June 27, 2005 at 5:21 am
    topdog says:
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    Grant,
    What is the zip code of your cave ?
    I think you left your common sense there, go back and get it, then post again on this subject. The nonsense you spout doesn’t matter.

  • June 28, 2005 at 8:10 am
    ATS says:
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    Did it never occur to anyone that a careless driver can kill with any type of car (even a bicycle will do in a pinch)? Yet different models of cars are rated differently.

    That was an earlier copmmenters’ point as well: look at the sorts of people who own certain breeds. Whether or not his point is valid would show in the statistics.

    Lots of responsible drivers own muscle cars. They pay for the priveledge. Lot’s of irresponsible drivers do as well. That’s why.

  • June 28, 2005 at 8:21 am
    Observation says:
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    It’s interesting to note that two of the states with the most disfunctional insurance enviroments are Florida and California.

    Is that a function of:

    1)Geography and natural exposures
    2)Political hack Insurance commissioners
    3) fradulant and corrupt populations
    4) poorly educated and stupid populations that want something for nothing and don’t understate capitalism?

    Its also interesting to note that you don’t see ridiculous government mandates and laws like this nonsense starting out in North Dakota or Nebraska. Every lamebrained socialistic law or ordinance seems to start out in one of these states or New York.

  • June 28, 2005 at 12:18 pm
    Alison says:
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    Bad dogs do have bad owners. Dogs must be trained, and so must the owners. Proper training, care, and socialization of the dog are an absolute must – all of which only an owner can be responsible. All dog breeds can and will bite. The larger breeds take the wrap since their bites are more powerful. Surely, everyone has met a tiny Chihuahua (or even a King Charles Spaniel) with a nasty temperament and natural instinct to bite. The bite, however, doesn’t lend itself to support the scientific evidence behind breed discrimination because it isn’t reported.

    No this issue isn’t going to disappear, but as agents, we do have some social responsibility. Agents need to actively support PREVENTION. Don’t dismiss this: we can make a significant difference. Educate your clients, and especially young children, about how to behave, or not to behave, around all animals. Teach your insureds with pets to be responsible owners – have Fido trained and be sure Fido’s basic, social, and medical needs are met.

  • June 28, 2005 at 12:35 pm
    Bill says:
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    Guns (known in Florida legalese as a “dangerous instrumentalities”) can’t be separately insured for liability, which to an extent falls under homeowners coverage. As I recall, HO liability also covers dogs.

    It’s painful to watch socialist do-gooders take stabs at our freedom with contrived nonsense such as dog owner’s liability insurance.

  • June 28, 2005 at 1:04 am
    Susan Johnson says:
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    You can get insurance by calling Lester Kalmanson @ 407-645-5000. He can write policys up to $100,000. Hope this helps.

  • June 29, 2005 at 7:06 am
    TIRED OF LISTENING TO THIS says:
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    http://www.dogbitelaw.com/PAGES/statistics.html
    This web site gives some interesting figures and FACTS, I suggest looking at it and clicking on the 4 sections that have bullet links. The section on dogs most likely to bite, gives a history on a 6 week old that was KILLED by a pomeranian.
    If you own a pit bull, It WILL probably bite in its lifetime. This is a sad fact.

    Dog Bite Statistics
    There is a dog bite epidemic in the United States. There are almost 5 million victims annually — about 2% of the entire population. 800,000 need medical attention. 1,000 per day need treatment in hospital emergency rooms. Between 15 and 20 die per year. Most of the victims who receive medical attention are children, half of whom are bitten in the face. Dog bite losses exceed $1 billion per year, with $345 million paid by insurance.

    The problem appears to be growing. In a 10-year period, the number of dogs rose by 2% while the number of bites increased by 33%. The property/casualty insurance industry paid $250 million for dog bite claims in 1995, $310 million in 2001, and $345.5 million in 2002. Additional losses were paid by other segments of the insurance industry, such as health insurers.

    The dog bite epidemic: a primer
    The dogs most likely to bite
    Children are the most frequent victims
    The face is the most frequent target

    This is a section of the web site Dog Bite Law (www.dogbitelaw.com)



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