My dog is a total loss?
Believe or no this happens often in almost every jurisdiction in the US. Dogs are considered property and therefore are subject to the same depreciation that other property has. If the value to fix your dog is more than its actual cash value the day of the accident, then Fido is a total loss!
The insurance adjuster will figure out the cost of a dog just like yours in your local market, then they will figure out the life expectancy of that breed, and finally subtract the age of your dog! So the older your dog is the less money you get!
This is ridiculous I know. Many Jurisdictions are changing towards accepting animal related claims as more than just property losses. The fact that vet bills are often times more than the cost of the pet could mean that no pet owner will ever be compensated fully for the loss of a pet.
There is no sentimental value attached to property in almost all jurisdictions in the US. Which in this case means the love for your dog is worthless. Oh yeah, forget about any pain and suffering your pet would have, property does not sustain pain or suffer for anything. You can probably see my sarcasm her. Hopefully, state legislators change the way that domestic pets and animals are treated by insurance companies.
