Heroic State Continues Efforts to Protect Consumers from Personal Responsibility

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I really have to hand it to the Connecticut state government for this shining example of how to run a government (i.e. an exemplary act of demonstrating why there should be no frickin government in the first place.)

Liability claims for dog attacks account for 25% of all homeowner insurance claims.

In 2003 there were 4.5 million dog attacks reported, with 800,000 resulting in hospitalisation.

That year the net claims against insurance companies for dog attacks was $ 321.6 million.

Clearly, dog attacks as a homeowner liability issue is a problem for insurance companies.

But don't worry; the Connecticut state government has fixed the problem by passing a law which prohibits "breed discrimination" against owners of Rottweillers, pit bulls, etc. That'll fix the problem toot sweet, wee?

(ASIDE: As an owner of a pair of the notorious Presa Canario, I can fully understand why some people and insurance companies would be uncomfortable with my puppies. I also am an avid dog lover and understand that lack of owner/breeder responsibility plays a big part in dog attack problems. But an insurance company is not a public service and like any other private party has the right of association, and therefore right of disassociation.)

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Phaedrus
 

bushman
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You'll have to watch them around your new kid.

Dogs have weird thoughts under certain conditions.


I had one great good natured dog that only lost his temper once in 18 years...and ripped the crap out of an Afghan for no real reason.

He never did it before, nor after, that one event.
 

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I would be curious to know, of those 4.5 million bite cases.....what percentage of these were of the defense variety, like when someone breaks into a house and gets mauled by the big dog.....versus the kind where the dog gets loose and attacks someone on public property......and what percentage of the latter had some big, moody dog as the perpetrator? Hard to imagine a poodle on the loose doing more than deflating a chamber in someone's air Nikes versus a heavy mean dog that takes some guy's jawbone and leaves his teeth....

I can't blame insurance companies for charging more because the homeowner decides to have one of these dangerous breeds, regardless whether the homeowner considers himself to be more responsible than the guy who anchors his rottweillers with 10 lb fishing line....every guy that gets pulled over by the cops always claims to have had just 2 beers, and it's always someone else's kid getting in trouble, because obviously "I taught mine better...."

Maybe Robby Kneivel should get a break on his health insurance if he tells the insurance agent that he's being more careful than the next guy who is going to break both of his legs on a mortorcycle jump? I'm sure by now that insurance agents can judge sincerety and know who the risky people are?

Should the guy who bought that bunker in Kansas and made a house out of it pay the same insurance premium as the guy who builds on a beachfront property on East Florida and gets his house taken out by the tide of the next hurricane just days after the last shingle is put on?
 

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"You'll have to watch them around your new kid."

I wouldn't have any breeds of that type around any kid of mine, if I really valued the kid. He's only one pulled dog-ear or mood swing away from a mauling at any given time.......
 

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