Insurance AKA License to Kill
The insurance company finally sent me a copy of the policy I contracted for Doggy, is not a veterinarian insurance, it’s only for liability claims in case he bites someone or crosses the bike lane and causes the person on the bike or skates to fall, you know accidents. I never thought about that kind of insurance until I met Django’s owner, he told me that once beautiful spring morning, Django ran lose, a biker hit him causing him to fall and consequently breaking his clavicle, wrist and forearm, pretty awful right? Paramedics arrived and asked Django’s owner if he had insurance, that in accordance to law if the guy had to take a leave due to the injuries (in this case was a fact) the dog owner was obliged to pay the salary plus medical expenses of the injured person for whatever the time the doctor determined convenient. Django didn’t have insurance, however, his owner was lucky enough to have marked by accident the box on the homeowner policy that covers pets, otherwise he would have had to pay over 15G worth on medical bills and salary. That made me think of the times I go for run with Doggy and how many bikers cross our way without ringing the bell or the amount of old people who come across us and could easily trip on Doggy and break every little bone if he decides to make a quick move, I’d go broke. Next day I started to look for insurance companies and decided for one, surprisingly enough the insurance is really cheap, about 60 bucks a year with a deductible of $150 and what’s more interesting the coverage jurisdiction is pretty wide, all America and Europe.
Now the junkie on my street better watch out, we have license to kill and are not afraid to use it, gotta teach the “attack, chew and spit” command to Doggy. Jokes aside, it’s a relieve to know that if something happens , which I hope never does, at least we are legally backed up.