Endurance.Net Ridecamp Archives

Also, talk for a long time with your Ins. agent, for instance I found out
this summer that if I had mortality ins. that the co. would only cover me
if I had done every possible thing before putting a horse down, well duh
you might be thinking, I would of course do everything before that decision
was made, but how about if the vet says  $15,000.00 surgery MIGHT save your
animal?? If you choose not to operate you lose your mortality etc.......
It was my vet actually who warned me about mortality and said it is hard to
get them to pay out for those reasons. Also if you have ins. on a horse
that does not belong to you be careful as the ins. co. can pay out
the"legal" owners and then come after you if they think they can prove any
kind of negligence (eg you left the gate open, horse got out and hit by a
car.) In that scenario my ins agent suggested that "legal" owners carry the
ins. and I get liability ins. AGH!! Very complex!!:-)Anyway, I run every
scenario I can past my ins. agent to make sure I am covered.:-) :-) :-)


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