Cubbon and Associates, Co., L.P.A.
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Toll Free : 800-648-1911
Phone : 419-574-9284
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February 2010 Archives

Ten Worst Insurance Companies

Profits over policyholders earned Allstate Insurance Company the #1 spot. Number 4 on the Worst list is State Farm, due to its deny and delay tactics. Farmers Insurance Group, #7, offered pizza parties to its adjusters who met low payment goals.A copy of the report is available on line at http://www.justice.org/resources/AAJ_Report_TenWorstInsuranceCompanies_FINAL.pdf or call us and we will email you a copy.

DOG BITE LAW

In Beckett v. Warren, 2010-Ohio-4, our highest Court held that a person may pursue a claim for a dog bite injury under statutory law or common law negligence.Statutory law imposes liability for injuries after the plaintiff proves:1. ownership or keepership of the dog2. the dogs actions proximately caused the injury3. monetary amount of damagesA defense to the statutory claim is trespass or committing a criminal offense on the property.Also, no punitive damages are available in a claim brought under the statute.A common law negligence claim does allow for punitive damages in some cases and requires more proof in order to prevail. Under this theory, the plaintiff must prove:1. the defendant owned or harbored the dog2. the dog was vicious3. the defendant knew of the dogs viciousness4. the dog was kept in a negligent manner after the keeper knew of its viciousness.For the dog owner, it is important to know that your dog is not entitled to one free bite. Under the statute, prior knowledge of a dogs viciousness is not a consideration. However, if you know your dog is mean and do not take steps to protect others, you can be held liable under the common law for compensatory and punitive damages.We all love our pets. As responsible citizens, we must take steps to protect others from our dogs and should understand that we can be held economically liable for any injuries our dogs might cause to another.

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P.O. Box 387
Toledo, OH 43697-0387

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405 N Huron St
Suite 500
Toledo, OH 43604

Toll Free: 800-648-1911
Phone: 419-574-9284
Fax: 419-243-9512
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