Does my neighbors home insurance cover my dog than was attacked By there dog

Our dog wandered off our property onto the neighbors property. They have an
invisible fence but no sign or no beware of dog sign. Their dog attacked our dog
causing serious injury requiring her to go to the emergency vet hospital. The
veterinary bill was 1600

Asked on March 29, 2019 under Insurance Law, Illinois

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 1 year ago | Contributor

Their homeowners would likely cover damage or injuries inflicted by their dog: most such policies do. (That said, if they have a policy which specifically does not cover this, that exclusion is legal.) 
But their insurance is not your insurance: their insurance only will pay if they were at fault in some way and you were not at fault. Given that your dog was unsecured and came onto their property, and their dog was properly confined to their property, it is likely that they are not at fault: they did nothing wrong. At the same time, you were likely at fault, for not properly securing your dog. If you were to sue them, it is unlikely that you would and they would have to pay, which means that it is unlikely that their insurance will offer you any compensation.


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