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	<title>Comments on: Insurance for Pit Bulls</title>
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	<description>For the love of bullies!</description>
	<lastBuildDate>Wed, 10 Mar 2010 14:21:08 +0000</lastBuildDate>
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		<title>By: Miranda</title>
		<link>http://saveabull.com/2008/insurance-for-pit-bulls/comment-page-1/#comment-292</link>
		<dc:creator>Miranda</dc:creator>
		<pubDate>Fri, 15 Jan 2010 23:16:06 +0000</pubDate>
		<guid isPermaLink="false">http://saveabull.com/2008/insurance-for-pit-bulls/#comment-292</guid>
		<description>I&#039;m in Georgia, and I&#039;m also having issues with my home insurance. I had no problem for years with Nationwide but then they did a system upgrade at the same time my mortgage company was having some issues and my policy ended up cancelled due to non payment (usually paid through escrow). Nationwide had my old phone number from 10 years ago thanks to their &quot;upgrade&quot; so I didn&#039;t know about it until it was too late. They supposidly got everything fixed but found out today they didn&#039;t. My mortgage put me on a premium (very high) insurance company automatically when nationwide cancelled. I called Nationwide today to get it straightened out and for the first time ever, they asked me if I had any dogs. I have four and they all have some kind of story as to why I have them. I have two border collie mixes, a boxer and a pitt (they do fine together although it confuses the boxer &amp; pitt when the border collies try to &quot;herd&quot; them). All males are now fixed (found a place in NE GA that does males for $50 each) and since I happen to have a pitt, the one company that this nationwide agent contracts through that does allow pitts wont&#039; accept me for &quot;other&quot; reasons that they wouldn&#039;t tell me. It is probably because my roof is getting old. I&#039;ve been calling several places that were listed on this site and statefarm gave me a place to call that is currently working on a quote but I won&#039;t know until Tuesday if they will even take me. My pitt is 1 1/2 with no signs of aggression. I&#039;ve only had him for four months but he was raised with the boxer. He is very energetic and LOVES to play and be petted. He does need more training (barely knew sit when I got him) and i&#039;m working on that but the one time he got loose, he came running back as soon as I called. He tried to chase a squirel and I had mail in my hands and didn&#039;t have a good enough grip on the leash. It was my fault and i&#039;m more careful now. I don&#039;t let my dogs run loose. I had a cat killed a year ago by a lab mix that got out so I am very aware of what can happen if dogs and cats run loose. I usually keep my other cats (3) inside but she was an outside cat for years before she came to me. My family and neighbors know i&#039;m a big softie when it comes to animals although I&#039;m not a hoarder! I&#039;ve rehomed a few that came to me and were not meant to stay. I believe in neutering and spaying. There are way too many animals out there that do not have homes or are in bad situations. The boxer &amp; pitt, I have because their family lost their home with a yard and they were having trouble finding anyone who would take them. The shelters were full and said they would have to put them down. The rescue groups were also full up. The neighbors at the grandmother&#039;s house was complaining about the barking since they were being kept in a very small pen and they were running out of time. They are good dogs and did not deserve to be put down for any reason. My neighbors love my dogs. I have one neighbor with a female pitt who is very bulky in build but a complete sweetheart. She looks mean but she&#039;s very submissive even with other dogs. The rare times when she has gotten out in the last five years, I am the one that usually goes out and calls her back. Benefit of working from home. :) My other neighbor has little yappy dogs that my border collies take great delight in having barking wars with. The boxer &amp; pitt with join in sometimes but usually they just sniff through the fence and then ignore them. Still working on getting them used to cats. I have a huge 25lbs fat white cat that thinks dogs are just big cats and loves to tease them by rubbing against doors and windows where they can see him. I keep them seperated for now until I feel safe that nothing will happen. I do this for any breed of dog unless they are very small puppies who haven&#039;t a clue yet that cats are not dogs. Any adult dog of any size can potenially attack cats and it&#039;s always better to do it gradually. My dogs are mostly outside dogs (large back yard) but the boxer/pitt are currently inside in one of the rooms since they only recently were neutered. They usually have an entire screened porch for themselves for sleeping and stuff. None of the dogs like the dog houses I have out back even though they are good dog houses. They prefer the enclosed porch and hay pen I have set up for them. :D I tried hay in the dog houses and it didn&#039;t work. I finally gave up on getting them to use them and made the hay pen on the porch so they didn&#039;t have to lay on the cement. Even in winter they prefered cement to using hay filled dog houses. Out of the four the only one that has ever been an inside dog was one of my border collies and he was going stir crazy being stuck in a house. The boxer is ok inside but he LOVES running and playing out side and enjoys all the scents and sounds that are out there. I&#039;ve gone out there and seen him just sitting there with his nose in the air and his ears twitching. :) Although...show him a tennis ball and you have his total focus! Sorry for rambling but I do love my animals and am very ticked about my insurance issues. Hopefully, you got at least a few chuckles out of my rambling. :)</description>
		<content:encoded><![CDATA[<p>I&#8217;m in Georgia, and I&#8217;m also having issues with my home insurance. I had no problem for years with Nationwide but then they did a system upgrade at the same time my mortgage company was having some issues and my policy ended up cancelled due to non payment (usually paid through escrow). Nationwide had my old phone number from 10 years ago thanks to their &#8220;upgrade&#8221; so I didn&#8217;t know about it until it was too late. They supposidly got everything fixed but found out today they didn&#8217;t. My mortgage put me on a premium (very high) insurance company automatically when nationwide cancelled. I called Nationwide today to get it straightened out and for the first time ever, they asked me if I had any dogs. I have four and they all have some kind of story as to why I have them. I have two border collie mixes, a boxer and a pitt (they do fine together although it confuses the boxer &amp; pitt when the border collies try to &#8220;herd&#8221; them). All males are now fixed (found a place in NE GA that does males for $50 each) and since I happen to have a pitt, the one company that this nationwide agent contracts through that does allow pitts wont&#8217; accept me for &#8220;other&#8221; reasons that they wouldn&#8217;t tell me. It is probably because my roof is getting old. I&#8217;ve been calling several places that were listed on this site and statefarm gave me a place to call that is currently working on a quote but I won&#8217;t know until Tuesday if they will even take me. My pitt is 1 1/2 with no signs of aggression. I&#8217;ve only had him for four months but he was raised with the boxer. He is very energetic and LOVES to play and be petted. He does need more training (barely knew sit when I got him) and i&#8217;m working on that but the one time he got loose, he came running back as soon as I called. He tried to chase a squirel and I had mail in my hands and didn&#8217;t have a good enough grip on the leash. It was my fault and i&#8217;m more careful now. I don&#8217;t let my dogs run loose. I had a cat killed a year ago by a lab mix that got out so I am very aware of what can happen if dogs and cats run loose. I usually keep my other cats (3) inside but she was an outside cat for years before she came to me. My family and neighbors know i&#8217;m a big softie when it comes to animals although I&#8217;m not a hoarder! I&#8217;ve rehomed a few that came to me and were not meant to stay. I believe in neutering and spaying. There are way too many animals out there that do not have homes or are in bad situations. The boxer &amp; pitt, I have because their family lost their home with a yard and they were having trouble finding anyone who would take them. The shelters were full and said they would have to put them down. The rescue groups were also full up. The neighbors at the grandmother&#8217;s house was complaining about the barking since they were being kept in a very small pen and they were running out of time. They are good dogs and did not deserve to be put down for any reason. My neighbors love my dogs. I have one neighbor with a female pitt who is very bulky in build but a complete sweetheart. She looks mean but she&#8217;s very submissive even with other dogs. The rare times when she has gotten out in the last five years, I am the one that usually goes out and calls her back. Benefit of working from home. <img src='http://saveabull.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  My other neighbor has little yappy dogs that my border collies take great delight in having barking wars with. The boxer &amp; pitt with join in sometimes but usually they just sniff through the fence and then ignore them. Still working on getting them used to cats. I have a huge 25lbs fat white cat that thinks dogs are just big cats and loves to tease them by rubbing against doors and windows where they can see him. I keep them seperated for now until I feel safe that nothing will happen. I do this for any breed of dog unless they are very small puppies who haven&#8217;t a clue yet that cats are not dogs. Any adult dog of any size can potenially attack cats and it&#8217;s always better to do it gradually. My dogs are mostly outside dogs (large back yard) but the boxer/pitt are currently inside in one of the rooms since they only recently were neutered. They usually have an entire screened porch for themselves for sleeping and stuff. None of the dogs like the dog houses I have out back even though they are good dog houses. They prefer the enclosed porch and hay pen I have set up for them. <img src='http://saveabull.com/wp-includes/images/smilies/icon_biggrin.gif' alt=':D' class='wp-smiley' />  I tried hay in the dog houses and it didn&#8217;t work. I finally gave up on getting them to use them and made the hay pen on the porch so they didn&#8217;t have to lay on the cement. Even in winter they prefered cement to using hay filled dog houses. Out of the four the only one that has ever been an inside dog was one of my border collies and he was going stir crazy being stuck in a house. The boxer is ok inside but he LOVES running and playing out side and enjoys all the scents and sounds that are out there. I&#8217;ve gone out there and seen him just sitting there with his nose in the air and his ears twitching. <img src='http://saveabull.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  Although&#8230;show him a tennis ball and you have his total focus! Sorry for rambling but I do love my animals and am very ticked about my insurance issues. Hopefully, you got at least a few chuckles out of my rambling. <img src='http://saveabull.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Stefan</title>
		<link>http://saveabull.com/2008/insurance-for-pit-bulls/comment-page-1/#comment-284</link>
		<dc:creator>Stefan</dc:creator>
		<pubDate>Thu, 07 Jan 2010 18:06:17 +0000</pubDate>
		<guid isPermaLink="false">http://saveabull.com/2008/insurance-for-pit-bulls/#comment-284</guid>
		<description>Last month, I lost my 9 year old Miniature Schnauzer to an attack by a Staffordshire Terrier.  My father was taking my dog for her walk. She was walking down the middle of the neighborhood street, on a leash.  The &quot;bully&quot; was unrestrained and left its property to inflict a fatal bite.  My dog died in the next few minutes from massive bloodloss.  My father was uninjured but weeks later is plagued with nightmares from the incident.

The Staffordshire never exhibited a violent tendency towards my dad. Not even while he was on his hands and knees trying to pry the dog&#039;s jaws open to get my dog back.  For that I give the dog full credit.  It had its priorities straight.  Big human, ignore.  Small animal, kill.

I don&#039;t blame the dog, it has no morality.  

Through talking with neighbors, we&#039;ve come to find out, this dog has attacked two other dogs in the last 12 months.  Both of the other dogs were larger or of similar size to the Staffordshire.  One attack required stitches, the other did not result in injuries worth mentioning as both dogs were on a leash at the time.  Neither attack was reported to the SPCA until AFTER my dog was killed.

We&#039;ve also been contacted by two people who had &quot;discussions&quot; with the Staffordshire&#039;s owner.  To be brief, the owner warned them of the danger.  Neither of those people reported the owner/dog.

So he was aware that the dog was dangerous.  He did NOTHING to prevent the dog from being allowed to attack, maim, or kill other people&#039;s pets or family.  The dog was allowed to roam, off the leash, in the yard.  That fits the definition of Criminal Reckless Endangerment.

Regardless, neither I nor the SPCA can have the owner euthanized.  We can, however, have the dog removed from his ownership and the SPCA can impose upon him restrictions if the dog is returned to him or they can refuse to return the dog in which case it will be destroyed.

At this point, it has been seized.  The hearing to determine if the dog is dangerous is next Thursday.  He has gotten a lawyer.  I can not afford a lawyer.  I should not NEED a lawyer.

By all outward appearances, this should never have happened.  A nice neighborhood and a quiet street.  But you can not always profile these situations.  The owner was stupid and shouldn&#039;t have been trusted to own a goldfish, much less a dog with the bred-in physical strength of a Pit Bull.  

And yet, this was a rescue dog, supposedly &quot;cleared&quot; and classified by whatever dog rescue association as &quot;OK for adoption&quot;.  The rescue association allowed *this man* to adopt *this dog* and as a result created a situation that has already been fatal to one innocent life and will likely end with the euthanization of the Pit Bull.

As I said, I can&#039;t afford a lawyer.  However, I fully intend to take the owner to court in the lower courts of my state where a lawyer is not required.  I will be asking for the replacement cost of my AKC registered Miniature Schnauzer and all the veterinarian costs associated with the adoption.  If I think I may be able, I would like to sue for damages related to the incident.  My father (and recently my wife) who can&#039;t sleep without nightmares surely deserve some recompense?  The family has lost a family member. It just so happens, by whatever twist of fate, that MY dog was NOT a Pit Bull and the killing dog was.  My dog, at 11lbs in weight (she was small for her breed) and with two partially torn cranial cruciate ligaments (the result of unlucky jumps) was in no condition to defend herself from an animal with the jaw strength of the Pit Bull and this particular dog&#039;s intent to kill.

The Pit Bull&#039;s breeding has given it the tools to kill.  Perhaps moreso than almost any other dog.  Likely, moreso than any other popular breed.  I do not believe that the breed has any inbred tendency to attack or kill humans.  I think for that reason that they make terrible guard dogs.  They are very human friendly.  However, they are not as universally friendly to other animals.  When a human is confused with another animal (child) or gets in the way of an dog-on-animal attack, they are in real danger from a dog with the strength and build and inbred skills that make a Pit Bull. 

I can&#039;t make sense of it, but if there was historical evidence to suggest that Pit Bulls can and do injure and kill more than other breeds (and that evidence exists), it makes business sense to tax those situations at a higher rate.  Likewise, if any insurance company is reading my story, would you seriously blame them for attempting to find a way to identify the risk that their customer, this incident, and my ensuing suit, represent?

Their methods are crude, and boil down to discrimination, but until the methods improve there is nothing else to be done.

I don&#039;t ask for pity from those of you here.  You are the responsible ones.  What I do ask is that you be reasonable and THINK about what you are saying.  Do your very utmost to improve education, awareness, and responsibility for the ownership of the breeds that are classified as &quot;Pit Bull&quot; and other so called &quot;dangerous&quot; breeds.  When you see a situation, report it!  

Only through these methods will anything change.

Only these methods would my sweet and gentle friend be alive today.  Our lives are forever changed and I hope none of you will ever have to experience what I am going through today. If you do your part though, our pain and the life and love of our dog will not be for nothing.</description>
		<content:encoded><![CDATA[<p>Last month, I lost my 9 year old Miniature Schnauzer to an attack by a Staffordshire Terrier.  My father was taking my dog for her walk. She was walking down the middle of the neighborhood street, on a leash.  The &#8220;bully&#8221; was unrestrained and left its property to inflict a fatal bite.  My dog died in the next few minutes from massive bloodloss.  My father was uninjured but weeks later is plagued with nightmares from the incident.</p>
<p>The Staffordshire never exhibited a violent tendency towards my dad. Not even while he was on his hands and knees trying to pry the dog&#8217;s jaws open to get my dog back.  For that I give the dog full credit.  It had its priorities straight.  Big human, ignore.  Small animal, kill.</p>
<p>I don&#8217;t blame the dog, it has no morality.  </p>
<p>Through talking with neighbors, we&#8217;ve come to find out, this dog has attacked two other dogs in the last 12 months.  Both of the other dogs were larger or of similar size to the Staffordshire.  One attack required stitches, the other did not result in injuries worth mentioning as both dogs were on a leash at the time.  Neither attack was reported to the SPCA until AFTER my dog was killed.</p>
<p>We&#8217;ve also been contacted by two people who had &#8220;discussions&#8221; with the Staffordshire&#8217;s owner.  To be brief, the owner warned them of the danger.  Neither of those people reported the owner/dog.</p>
<p>So he was aware that the dog was dangerous.  He did NOTHING to prevent the dog from being allowed to attack, maim, or kill other people&#8217;s pets or family.  The dog was allowed to roam, off the leash, in the yard.  That fits the definition of Criminal Reckless Endangerment.</p>
<p>Regardless, neither I nor the SPCA can have the owner euthanized.  We can, however, have the dog removed from his ownership and the SPCA can impose upon him restrictions if the dog is returned to him or they can refuse to return the dog in which case it will be destroyed.</p>
<p>At this point, it has been seized.  The hearing to determine if the dog is dangerous is next Thursday.  He has gotten a lawyer.  I can not afford a lawyer.  I should not NEED a lawyer.</p>
<p>By all outward appearances, this should never have happened.  A nice neighborhood and a quiet street.  But you can not always profile these situations.  The owner was stupid and shouldn&#8217;t have been trusted to own a goldfish, much less a dog with the bred-in physical strength of a Pit Bull.  </p>
<p>And yet, this was a rescue dog, supposedly &#8220;cleared&#8221; and classified by whatever dog rescue association as &#8220;OK for adoption&#8221;.  The rescue association allowed *this man* to adopt *this dog* and as a result created a situation that has already been fatal to one innocent life and will likely end with the euthanization of the Pit Bull.</p>
<p>As I said, I can&#8217;t afford a lawyer.  However, I fully intend to take the owner to court in the lower courts of my state where a lawyer is not required.  I will be asking for the replacement cost of my AKC registered Miniature Schnauzer and all the veterinarian costs associated with the adoption.  If I think I may be able, I would like to sue for damages related to the incident.  My father (and recently my wife) who can&#8217;t sleep without nightmares surely deserve some recompense?  The family has lost a family member. It just so happens, by whatever twist of fate, that MY dog was NOT a Pit Bull and the killing dog was.  My dog, at 11lbs in weight (she was small for her breed) and with two partially torn cranial cruciate ligaments (the result of unlucky jumps) was in no condition to defend herself from an animal with the jaw strength of the Pit Bull and this particular dog&#8217;s intent to kill.</p>
<p>The Pit Bull&#8217;s breeding has given it the tools to kill.  Perhaps moreso than almost any other dog.  Likely, moreso than any other popular breed.  I do not believe that the breed has any inbred tendency to attack or kill humans.  I think for that reason that they make terrible guard dogs.  They are very human friendly.  However, they are not as universally friendly to other animals.  When a human is confused with another animal (child) or gets in the way of an dog-on-animal attack, they are in real danger from a dog with the strength and build and inbred skills that make a Pit Bull. </p>
<p>I can&#8217;t make sense of it, but if there was historical evidence to suggest that Pit Bulls can and do injure and kill more than other breeds (and that evidence exists), it makes business sense to tax those situations at a higher rate.  Likewise, if any insurance company is reading my story, would you seriously blame them for attempting to find a way to identify the risk that their customer, this incident, and my ensuing suit, represent?</p>
<p>Their methods are crude, and boil down to discrimination, but until the methods improve there is nothing else to be done.</p>
<p>I don&#8217;t ask for pity from those of you here.  You are the responsible ones.  What I do ask is that you be reasonable and THINK about what you are saying.  Do your very utmost to improve education, awareness, and responsibility for the ownership of the breeds that are classified as &#8220;Pit Bull&#8221; and other so called &#8220;dangerous&#8221; breeds.  When you see a situation, report it!  </p>
<p>Only through these methods will anything change.</p>
<p>Only these methods would my sweet and gentle friend be alive today.  Our lives are forever changed and I hope none of you will ever have to experience what I am going through today. If you do your part though, our pain and the life and love of our dog will not be for nothing.</p>
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		<title>By: sonny</title>
		<link>http://saveabull.com/2008/insurance-for-pit-bulls/comment-page-1/#comment-282</link>
		<dc:creator>sonny</dc:creator>
		<pubDate>Wed, 06 Jan 2010 19:27:29 +0000</pubDate>
		<guid isPermaLink="false">http://saveabull.com/2008/insurance-for-pit-bulls/#comment-282</guid>
		<description>which insurance company carry bit bulls dog liability insurance ?</description>
		<content:encoded><![CDATA[<p>which insurance company carry bit bulls dog liability insurance ?</p>
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		<title>By: RUSH</title>
		<link>http://saveabull.com/2008/insurance-for-pit-bulls/comment-page-1/#comment-271</link>
		<dc:creator>RUSH</dc:creator>
		<pubDate>Mon, 07 Dec 2009 19:15:55 +0000</pubDate>
		<guid isPermaLink="false">http://saveabull.com/2008/insurance-for-pit-bulls/#comment-271</guid>
		<description>I feel like not insuring because of pit bull breeds is discriminating. That&#039;s like stating Honda insurance will be more than Nissan because they had more accidents last year... it&#039;s the driver not the car. I don&#039;t like the idea at all. I understand not insuring irresponsible owners but in most cases (as in mine) my pit is 7 years old and has been through hell and back with my 5 year old daughter... never even thought about biting her or anyone else who came to our home. I don&#039;t think that insurance companies should be allowed to do this because I have the right to own/purchase/adopt any type of dog I want. I should be able to sign a waiver of some sort stating if my pit ever bites someone my insurance isn&#039;t repsonsible, I am. i&#039;d invite any insurance agent to my home to pet and play with my dog... it&#039;s not vicous. The neighbor is more vicous than the dog. It&#039;s just not right to refuse insurance because someone&#039;s dog has pit in it.</description>
		<content:encoded><![CDATA[<p>I feel like not insuring because of pit bull breeds is discriminating. That&#8217;s like stating Honda insurance will be more than Nissan because they had more accidents last year&#8230; it&#8217;s the driver not the car. I don&#8217;t like the idea at all. I understand not insuring irresponsible owners but in most cases (as in mine) my pit is 7 years old and has been through hell and back with my 5 year old daughter&#8230; never even thought about biting her or anyone else who came to our home. I don&#8217;t think that insurance companies should be allowed to do this because I have the right to own/purchase/adopt any type of dog I want. I should be able to sign a waiver of some sort stating if my pit ever bites someone my insurance isn&#8217;t repsonsible, I am. i&#8217;d invite any insurance agent to my home to pet and play with my dog&#8230; it&#8217;s not vicous. The neighbor is more vicous than the dog. It&#8217;s just not right to refuse insurance because someone&#8217;s dog has pit in it.</p>
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		<title>By: CameroAC</title>
		<link>http://saveabull.com/2008/insurance-for-pit-bulls/comment-page-1/#comment-257</link>
		<dc:creator>CameroAC</dc:creator>
		<pubDate>Mon, 02 Nov 2009 09:25:07 +0000</pubDate>
		<guid isPermaLink="false">http://saveabull.com/2008/insurance-for-pit-bulls/#comment-257</guid>
		<description>Interesting to hear from an employee of an insurance company.  Yes I understand the decisions of the companies is based upon &quot;statistical evidence&quot; and high profile attacks that have recently been highlighted by the media, causing a backlash of breed specific legislation and anti-bully breed hysteria.  That&#039;s always a good way to do business, lets decide something is bad just because the news says so and not because there&#039;s any real evidence to support it.
However, if they would really do some research, they would find that in reality the types of dogs that bite the most are NONE of the dogs listed by the insurance companies.  The dogs most likely to bite are small dogs like weiner dogs, toy poodles, rat terriers, etc.  These dogs have also been bred for hunting and protection just like the bigger dogs and from what I have seen in real life, are more likely to bite than a bigger dog.  I realize that the damage they can cause with their little mouths is on a smaller scale than a big dog, but if you are quoting overall incidence of bites and not total damage of bites, we should be regulating the little dogs.  But, think about bite placement too - little dogs probably bite on places like faces and hands - people aren&#039;t going to do things like put their face or hands right next to your big dog and talk to it like it&#039;s a baby.  They do those things to little dogs all the time.  And someone gets their face or hands bitten and you still have the potential for a serious lawsuit, and the cosmetic surgery to repair facial scarring could easily be over the $100,000 policy coverage. Bites from bigger dogs that I know of are usually ones where you get your leg bitten as you are passing by or dogs protecting their home or owners.  And I know they are pack animals and any dogs left unattended and ill trained are likely to gang up, start hunting like a pack and do serious damages, but what is the REAL data on those attacks, not what the media tells us?
The other thing that insurance companies need to do is look at the overall population of the breed of dog per bite incidence.  Maybe there are more total number of bites from these types of dogs simply because there are more OF them due to popularity of the breed.  And we all need to consider that there are all sorts of filters on gathering statistical evidence - anyone could make a case for almost anything if you toss out certain examples because it doesn&#039;t &quot;fit the criteria&quot; of what you are looking for.  Yes insurance companies pay out over $300 million in claims per year for dog bites (I think that&#039;s the data I&#039;ve seen, something close to that).  What is their total payout for year for other claims?  What does this $300 million represent in percentages of the overall total?  And how much do they take in each year from policy holders?  And what is the percentage of payouts for &quot;dangerous breed&quot; payouts compared to the overall total?
Too many questions and not enough answers as far as I&#039;m concerned to back up their claims that these dogs are more dangerous than any other dog.  It&#039;s annoying that a dog that was known as the &quot;nanny dog&quot; not to long ago for how well it took care of the children in the home has changed to image we have today.</description>
		<content:encoded><![CDATA[<p>Interesting to hear from an employee of an insurance company.  Yes I understand the decisions of the companies is based upon &#8220;statistical evidence&#8221; and high profile attacks that have recently been highlighted by the media, causing a backlash of breed specific legislation and anti-bully breed hysteria.  That&#8217;s always a good way to do business, lets decide something is bad just because the news says so and not because there&#8217;s any real evidence to support it.<br />
However, if they would really do some research, they would find that in reality the types of dogs that bite the most are NONE of the dogs listed by the insurance companies.  The dogs most likely to bite are small dogs like weiner dogs, toy poodles, rat terriers, etc.  These dogs have also been bred for hunting and protection just like the bigger dogs and from what I have seen in real life, are more likely to bite than a bigger dog.  I realize that the damage they can cause with their little mouths is on a smaller scale than a big dog, but if you are quoting overall incidence of bites and not total damage of bites, we should be regulating the little dogs.  But, think about bite placement too &#8211; little dogs probably bite on places like faces and hands &#8211; people aren&#8217;t going to do things like put their face or hands right next to your big dog and talk to it like it&#8217;s a baby.  They do those things to little dogs all the time.  And someone gets their face or hands bitten and you still have the potential for a serious lawsuit, and the cosmetic surgery to repair facial scarring could easily be over the $100,000 policy coverage. Bites from bigger dogs that I know of are usually ones where you get your leg bitten as you are passing by or dogs protecting their home or owners.  And I know they are pack animals and any dogs left unattended and ill trained are likely to gang up, start hunting like a pack and do serious damages, but what is the REAL data on those attacks, not what the media tells us?<br />
The other thing that insurance companies need to do is look at the overall population of the breed of dog per bite incidence.  Maybe there are more total number of bites from these types of dogs simply because there are more OF them due to popularity of the breed.  And we all need to consider that there are all sorts of filters on gathering statistical evidence &#8211; anyone could make a case for almost anything if you toss out certain examples because it doesn&#8217;t &#8220;fit the criteria&#8221; of what you are looking for.  Yes insurance companies pay out over $300 million in claims per year for dog bites (I think that&#8217;s the data I&#8217;ve seen, something close to that).  What is their total payout for year for other claims?  What does this $300 million represent in percentages of the overall total?  And how much do they take in each year from policy holders?  And what is the percentage of payouts for &#8220;dangerous breed&#8221; payouts compared to the overall total?<br />
Too many questions and not enough answers as far as I&#8217;m concerned to back up their claims that these dogs are more dangerous than any other dog.  It&#8217;s annoying that a dog that was known as the &#8220;nanny dog&#8221; not to long ago for how well it took care of the children in the home has changed to image we have today.</p>
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		<title>By: mara</title>
		<link>http://saveabull.com/2008/insurance-for-pit-bulls/comment-page-1/#comment-246</link>
		<dc:creator>mara</dc:creator>
		<pubDate>Fri, 16 Oct 2009 16:55:14 +0000</pubDate>
		<guid isPermaLink="false">http://saveabull.com/2008/insurance-for-pit-bulls/#comment-246</guid>
		<description>Just called State Farm as long as they do not seem aggressive and no bite history they will cover my two pitts. Just called Farmers in my area and they will NOT cover any bullybreed.</description>
		<content:encoded><![CDATA[<p>Just called State Farm as long as they do not seem aggressive and no bite history they will cover my two pitts. Just called Farmers in my area and they will NOT cover any bullybreed.</p>
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		<title>By: Friend left his Pitt. - Dogs - Page 2 - City-Data Forum</title>
		<link>http://saveabull.com/2008/insurance-for-pit-bulls/comment-page-1/#comment-233</link>
		<dc:creator>Friend left his Pitt. - Dogs - Page 2 - City-Data Forum</dc:creator>
		<pubDate>Wed, 09 Sep 2009 17:33:25 +0000</pubDate>
		<guid isPermaLink="false">http://saveabull.com/2008/insurance-for-pit-bulls/#comment-233</guid>
		<description>[...] That&#039;s the media hype talking to the neighbor. Ignore it.   As for insurance, look at State Farm. They&#039;re an insurance company with a brain. As along as dog hasn&#039;t bitten anyone, they don&#039;t penalize you for owning a specific breed. When I got my homeowners insurance I had 3 rotts, 2 pits, 2 GSDs and a chow in my home and they didn&#039;t bat an eye.  This site lists a few companies that don&#039;t follow the tabloid hype on breeds:  Insurance for Pit Bulls, What Insurers Accept Pitbulls [...]</description>
		<content:encoded><![CDATA[<p>[...] That&#8217;s the media hype talking to the neighbor. Ignore it.   As for insurance, look at State Farm. They&#8217;re an insurance company with a brain. As along as dog hasn&#8217;t bitten anyone, they don&#8217;t penalize you for owning a specific breed. When I got my homeowners insurance I had 3 rotts, 2 pits, 2 GSDs and a chow in my home and they didn&#8217;t bat an eye.  This site lists a few companies that don&#8217;t follow the tabloid hype on breeds:  Insurance for Pit Bulls, What Insurers Accept Pitbulls [...]</p>
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		<title>By: Angel Kerns</title>
		<link>http://saveabull.com/2008/insurance-for-pit-bulls/comment-page-1/#comment-229</link>
		<dc:creator>Angel Kerns</dc:creator>
		<pubDate>Thu, 03 Sep 2009 14:18:49 +0000</pubDate>
		<guid isPermaLink="false">http://saveabull.com/2008/insurance-for-pit-bulls/#comment-229</guid>
		<description>Farmers Insurance will Insure your dog as long as there is NO prior bite history .</description>
		<content:encoded><![CDATA[<p>Farmers Insurance will Insure your dog as long as there is NO prior bite history .</p>
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		<title>By: kristen</title>
		<link>http://saveabull.com/2008/insurance-for-pit-bulls/comment-page-1/#comment-227</link>
		<dc:creator>kristen</dc:creator>
		<pubDate>Thu, 03 Sep 2009 03:26:52 +0000</pubDate>
		<guid isPermaLink="false">http://saveabull.com/2008/insurance-for-pit-bulls/#comment-227</guid>
		<description>Help Im a renter. I love my year and a half old female pit. I live in california and I need to find an ins. company that will cover my baby. Anyone with any suggestions would be more than helpful. Also ... I am 8 months pregnant and I havn&#039;t been worried about a thing happening wit my pit and my baby, she is not aggressive @ all and has never bit anyone and im sure everything will be fine but my family is on my rear about it and are trying to freak me out and I don&#039;t want to worry cuz like I said she is a great dog but they are starting to get in my head but I don&#039;t ever want to lose my dog. she is my family!Does anyone have any suggestions that would ensure me that no incidents will ever happen. If so I would appreciate it. Thank You!!!</description>
		<content:encoded><![CDATA[<p>Help Im a renter. I love my year and a half old female pit. I live in california and I need to find an ins. company that will cover my baby. Anyone with any suggestions would be more than helpful. Also &#8230; I am 8 months pregnant and I havn&#8217;t been worried about a thing happening wit my pit and my baby, she is not aggressive @ all and has never bit anyone and im sure everything will be fine but my family is on my rear about it and are trying to freak me out and I don&#8217;t want to worry cuz like I said she is a great dog but they are starting to get in my head but I don&#8217;t ever want to lose my dog. she is my family!Does anyone have any suggestions that would ensure me that no incidents will ever happen. If so I would appreciate it. Thank You!!!</p>
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		<title>By: Angel Kerns</title>
		<link>http://saveabull.com/2008/insurance-for-pit-bulls/comment-page-1/#comment-224</link>
		<dc:creator>Angel Kerns</dc:creator>
		<pubDate>Thu, 27 Aug 2009 14:22:40 +0000</pubDate>
		<guid isPermaLink="false">http://saveabull.com/2008/insurance-for-pit-bulls/#comment-224</guid>
		<description>NEED
PIT BULL INSURANCE ?
(NO PRIOR BITE HISTORY) 
As a current owner of an American Staffordshire terrier, I know how important she is to me and my husband. She is not only a great dog she is part of our family. We at FARMERS would love to help you with your Insurance needs. Please contact Angel Kerns – Associate Agent @ 614-443-5000

    
Insuring Pit Bull Dogs
(Ohio Revised Code Section 955.22E)
Dogs that are a “breed of dog commonly known as a Pit Bull” are automatically considered to be vicious under Ohio law. Owners of these dogs must maintain at least $100,000 of liability insurance coverage on these animals. The maximum penalty for a violation of this section is a $1,000 fine and up to six months imprisonment. If you have any questions regarding these laws, please contact a Field Supervisor at the Department of Animal Control’s Enforcement Division at 462-3400.
Call today for a FREE Quote!
614-443-5000
Ask for Angel
1301 S High Street Columbus, Ohio 43206</description>
		<content:encoded><![CDATA[<p>NEED<br />
PIT BULL INSURANCE ?<br />
(NO PRIOR BITE HISTORY)<br />
As a current owner of an American Staffordshire terrier, I know how important she is to me and my husband. She is not only a great dog she is part of our family. We at FARMERS would love to help you with your Insurance needs. Please contact Angel Kerns – Associate Agent @ 614-443-5000</p>
<p>Insuring Pit Bull Dogs<br />
(Ohio Revised Code Section 955.22E)<br />
Dogs that are a “breed of dog commonly known as a Pit Bull” are automatically considered to be vicious under Ohio law. Owners of these dogs must maintain at least $100,000 of liability insurance coverage on these animals. The maximum penalty for a violation of this section is a $1,000 fine and up to six months imprisonment. If you have any questions regarding these laws, please contact a Field Supervisor at the Department of Animal Control’s Enforcement Division at 462-3400.<br />
Call today for a FREE Quote!<br />
614-443-5000<br />
Ask for Angel<br />
1301 S High Street Columbus, Ohio 43206</p>
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