Personal Injury Law
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Unfortunately, owners of animals are responsible for the damages they cause. In your situation, your dog who was loose and not supervised causing damages to the other party's car. You as the dog's owner are responsible for the damage to the car and any other damages caused. Your homeowner's policy might actually pick up such a claim under its liability coverage. Typically liability claims do not have a deductible, however a claim filed against your homeowners policy is sure to be surcharged at renewal.
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