BHPian Yesterdaysnews<\/strong> recently shared this with other enthusiasts.<\/p>\n I was wondering – if we hit an animal and it doesn\u2019t die and we get it treated at a registered veterinary hospital- can the expenses be claimed under 3rd party insurance?<\/p>\n Has anyone had any experience doing so, please?<\/p>\n Any injury caused to 3rd parties must be covered. So are not animals 3rd party?<\/p>\n Update:<\/strong> Where I came from is really if we or someone else runs over a stray animal, and we rush it to the vet, could we ask for the insurance to cover hospitalisation?<\/p>\n Because if yes, perhaps a lot more of us would be more willing to help a stray animal in distress. Vets are quite expensive nowadays and free shelters that offer care and medicine are overloaded.<\/p>\n Here’s what GTO<\/strong> had to say on the matter:<\/p>\n Any kind of claim under 3rd-party insurance is extremely long-drawn, tedious & cumbersome. This is by design (by the insurance companies) and a large chunk ends up in court. I have usually seen people pressing through the long process only when there is a loss of life\/disability and the amounts are thus significant.<\/p>\n Else, people usually use their own insurance or pay for themselves.<\/p>\n<\/blockquote>\n Here’s what BHPian condor<\/strong> had to say on the matter:<\/p>\n I don’t think so, though cattle are otherwise considered as property of a person.<\/p>\n TP insurance is to be able to cover the damages faced by the other party (people \/ their vehicle) in an accident. Insurance companies will mostly cover only the vehicle and the people and not even their belongings in their vehicle. When we see this part, animals\/cattle of the opposite party would not be covered under the TP coverage.<\/p>\n<\/blockquote>\n\n
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