Because my neighbors dogs, pig, horse get out of their fenced in yard, I call the Sheriff, dog warden and trustees. When they were ridding on the

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 2, 2012

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Insurance Question from Felicity, OH

Asked on 04/02/2012

Because my neighbors dogs, pig, horse get out of their fenced in yard, I call the Sheriff, dog warden and trustees. When they were ridding on the When they were ridding on the 4 wheelers on the roadway, I called the Sheriff, but they sent the Ohio State Patrol. There were 3 people each riding their 4 wheeler. The man , his girlfriend, and his son (7 years old). They are afraid they are going to get caught ridding them. When I called they never asked me who was riding or how old they were. Now they want to sue me for injuries they have. Anxiety and nausea, loss of sleep due to Sheriff apperance.Please tell me if my liability insurance covers this?Their charges are all frivols.He first filed a protection order.

Answer given on April 09, 2012

Your homeonwer insurance will defend you if you are sued for bodily injury or property damage. If your neighbors file a suit claiming injuries, you should report this to your homeowner insurance company to have them start defense of the claim. It sounds like you and your neighbors need to try to work things out, but if that is not possible then you may need to file a claim with your insurance company.Homeowner insurance covers you for fraudulant or frivolous. They will provide an attorney for your defense and if you are required to make a payment, then the insurance will pay for the settlement against you. You will be expected to cooperate with the insurance company and attorney as they prepare your defense. You must be completely honest with them as to the events leading up to the incident. Make sure you tell them the police were called but that no action was taken by the law enforcement.

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