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Hanyman Warnng: Man Files False $20,000 Claim for Cat’s Death in Car Crash

Thursday, Aug. 16th 2012 3:59 PM

 

A Washington State man was recently charged with a crime for trying to collect $20,000 worth of compensation from a car insurance company for his cat’s crash-related death that occurred back in 2009. The catch: the cat allegedly never existed, according to the state.

The Washington State Office of the Insurance Commissioner said in a press release that the insurance carrier that received the claim, PEMCO, realized something was amiss after doing a Google image search for cats and finding images plastered all over the Web that were identical to one the man had submitted as evidence of his cat’s existence. A report from The Associated Press said that one of the photos the man had submitted was actually the first image that showed up on a Google image search for “white cat” and is also on the “Cat” Wikipedia page.

The man said that his cat, Tom, had cost $1,000 and had “been like a son to him,” which he felt warranted the $20,000 claims payment. PEMCO saw the situation differently and had originally offered him $50. After finding out that the cat never existed, they canceled the check.

Advice for Pet Owners with Legitimate Claims

While the Washington man didn’t actually have a pet in the car that was injured when he got into an accident, such a situation may be a reality for some unfortunate pet owners out there. And what they may not know is that their loss may be covered by auto insurance—either their own or the other driver’s.

If another driver crashes into you while you’ve got a pet in the car, any compensation for the loss (monetary or sentimental) could be covered by his or her property damage liability coverage.

If you cause the crash, however, it will only be covered if you’ve bought pet injury coverage or if your insurer automatically includes it. Collision coverage purchased through Progressive, for example, includes up to $1,000 worth of insurance for vet bills if the treatment is related to a car crash. Farmers similarly provides up to $600 worth of coverage when a policyholder purchases both comprehensive and collision in select states. Other insurers will add coverage for a small premium. Ask about your options when getting car insurance quotes during the shopping process, and ask about the details of what pet injury coverage does and doesn’t provide compensation for.

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Insurance might not be the first thing someone thinks about when running a business, but it should be an important consideration.   Handyman insurance is another requirement if you are thinking about starting a handyman business.  This website provides important insurance information on Handyman Insurance Coverage and quotes.

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Handyman insurance includes several types of coverage; each one offers a specific kind of protection for your business.  

(Handyman Insurance ) Commercial Auto: Covers a business's owned, no owned, and hired autos against liability and physical damage losses. 

Handyman Workers Compensation:  If your business as a Handyman employs any staff (including part-time, trainees or sub-contractors), Employers liability insurance cover is a legal requirement.  Employers liability insurance provides protection against your legal liabilities to pay compensation in respect of injury sustained by your employees in the course of your business as a Handyman.  (Handyman Insurance) Workers Compensation: Provides coverage for an employer's responsibility in the event of a work-related injury or illness.   Employers Liability Insurance for handyman work: This type of insurance would cover payment of legal fees and damages in the event that an employee was injured or killed while doing work for you. 

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Public Liability Insurance for handyman work: This type of insurance would cover you if your business activities caused injury or death to a member of the public.

Handyman General Liability - Commercial jobs will require you to have general liability coverage of $1,000,000 to $2,000,000 prior to being hired (not to mention that you protect your assets if something goes wrong on the job).

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Professional Indemnity Insurance for handyman work: This covers you against any mistakes you might make  including bad advice you or your staff might give  that ends up costing your clients money, and leading them to take legal action against you.

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The Handyman Insurance Program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen who: Are hired to do a variety of miscellaneous work that would be found in a residential household environment;

Please note that standard home owner's insurance will most likely not cover business assets, and may VOID your home insurance coverage.  If your business is home-based, do you need more liability coverage than your home insurance policy covers. 

The Handyman program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen.

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