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N.Y. Bill Would Mandate Insurance for Dog Owners

East News • April 22, 2004
New York State Assemblyman Peter M. Rivera has proposed requiring all dog owners in the state to carry liability insurance for their pets. He has nicknamed his bill "Elijah's Law" for a ...

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Subject: Simon Sez, or why insurance is not the solution

Posted On: April 29, 2004, 8:35 am CDT
Posted By: Greg
Comment:
A few years ago, I had a standard Poodle. He was an adorable boy, great with our family. He would not tolerate visitors to the house, and on several occasions chased visiting children.

He bit a person once. A neighbor came into our yard with a petition in hand and the dog barked at him, then circled behind and bit his calf. No charges were pressed and we muzzled him from then on.

This dog went through obedience classes. This dog was loved. This dog was kept inside the house. This dog was walked on a leash. We had him for 2 1/2 years before deciding that he wasn't getting any better.

The final straw came when Simon attacked our other dog, with no provocation.

After much soul-searching, I took Simon to the vet and put him down, and it was one of the hardest things I've done in my life. I held him as he slipped away. After doing my best for this dog, I had decided that he wasn't able to reform and we were unwilling to continue to live this way. I still wonder if it was the right thing.

This law is not for ME. It's probably not for you, either, since by reading this online forum, you are probably a person with some education and middle class responsibilities.

So I wonder, who is this law for?

The problem, as I perceive it, is this. Dogs, when untrained and unmanaged, can be a nuisance or even become dangerous. People who keep dogs need to understand this responsibility. Sadly, many people do not, as evidenced by the number of dogs in the 1 year old range that are sent to shelters every year to be destroyed.

I don't see this insurance scheme as a realistic solution to the problem.

The insurance approach builds a risk pool and protects the insurance companies while not fixing the problem. Responsible dog owners will be funding their own punishment under this law, while the irresponsible parties go without insurance, without license, without cares.

If you have a problem dog, it's not hard to find out. Your neighbors probably know already. Ask them if you're not sure. The dog warden may have an opinion too, especially if he's picked up your dog as a stray a few times. Rather than punishing all dog owners and creating paperwork, why not just enforce the laws that exist regarding loose or agressive dogs? Rather than establishing complex actuarial classifications of a dog breed's propensity to bite, why not just punish the biters and their owners?

Does anyone seriously think that the unlicensed, unmanaged dogs in New York City pose the same risk as my two licensed, trained, vaccinated dogs in their chain link fenced back yard 300 mile away upstate?

I think this law is a bad idea because it does not solve the problem, and it creates new problems.
Subject Posted By Posted On
I NEED YOUR HELP AS SOON AS POSSABLE TONY
May 2, 2006, 4:18 pm
RE: RE: Elijah's Law Jose Martinez
Feb 20, 2006, 1:51 pm
Elijah's law Baron's mom
Aug 18, 2005, 7:20 pm
RE: Elijah's Law dANIEL MUNOZ
Jul 20, 2005, 9:10 pm
RE: Elijah's law jess
Jun 5, 2005, 2:18 am
RE: NY Dog Insurance stacy
Mar 2, 2005, 1:14 pm
RE: Who writes Dog Liability Insurance in NY? Rich Bernstein
Feb 9, 2005, 8:06 am
RE: Who writes Dog Liability Insurance in NY? Rich Bernstein
Feb 8, 2005, 7:25 pm
Who writes Dog Liability Insurance in NY? Joanne
Jan 11, 2005, 7:06 pm
RE: elijah's law David Yantz
Jan 7, 2005, 8:52 am
RE: Dog Attack Insurance Edward & Thinda. Williams
Sep 25, 2004, 6:00 am
Dog Attack Insurance Edward & Thinda. Williams
Sep 24, 2004, 6:21 pm
RE: NY Dog Insurance kelley reece
Sep 6, 2004, 12:08 pm
Finally, mandatory dog liability insurance Dangerous Dogs
May 25, 2004, 11:53 pm
RE: RE: Elijah' Law Tim
May 18, 2004, 1:01 pm
Elijah's law suzy hinchey
May 14, 2004, 8:59 am
RE: Elijah' Law stewart
May 14, 2004, 5:46 am
Elijah' Law Angelo
May 7, 2004, 10:30 am
Mandated Dog Insurance Lydia Negron
May 3, 2004, 10:43 am
elijah's law richard a. weinstein
Apr 30, 2004, 2:57 pm
RE: Houston Garrett
Apr 29, 2004, 4:23 pm
Houston Tommy
Apr 29, 2004, 1:10 pm
Simon Sez, or why insurance is not the solution Greg
Apr 29, 2004, 8:35 am
RE: RE: RE: Elijah's Law Garrett
Apr 28, 2004, 6:35 pm
Elijah's Law Garrett
Apr 28, 2004, 6:21 pm
RE: Elijah's Law Cheriee
Apr 27, 2004, 7:01 pm
Elijah's Law Dawn Buxton Turin NY
Apr 27, 2004, 6:04 pm
RE: RE: Elijah's Law no dog lover
Apr 27, 2004, 11:44 am
RE: Elijah's Law Michelle
Apr 27, 2004, 10:49 am
RE: RE: RE: RE: RE: Elijah's Law jay
Apr 26, 2004, 11:09 pm
RE: RE: RE: RE: Elijah's Law pix duller
Apr 26, 2004, 10:41 pm
RE: RE: RE: RE: Elijah's Law pix duller
Apr 26, 2004, 10:40 pm
RE: RE: RE: RE: Elijah's Law peter prance
Apr 26, 2004, 10:38 pm
RE: RE: RE: RE: Elijah's Law peter prance
Apr 26, 2004, 10:37 pm
RE: RE: RE: Elijah's Law sally rote
Apr 26, 2004, 10:35 pm
Elijah's law SAM
Apr 26, 2004, 10:02 pm
ELIJAH'S LAW SHERRI
Apr 26, 2004, 4:40 pm
RE: Elijah's Law Micah G.
Apr 26, 2004, 3:45 pm
RE: Mandatory Dog Insurance Tim
Apr 26, 2004, 2:56 pm
Elijah's Law Carl Dalmata
Apr 26, 2004, 9:46 am
RE: Elijah's Law Angela Gooszas
Apr 26, 2004, 8:39 am
Mandatory Dog Insurance Diane
Apr 25, 2004, 9:06 pm
RE: RE: Elijah's Law Jody Parry
Apr 25, 2004, 9:02 am
RE: RE: Elijah's Law Magda L. Miranda
Apr 24, 2004, 3:46 pm
RE: Elijah's Law jan
Apr 23, 2004, 7:21 pm
RE: Elijah's Law Theresa
Apr 23, 2004, 3:55 pm
RE: Elijah's Law Sue
Apr 23, 2004, 2:02 pm
NY Dog Insurance Nick Shoop
Apr 23, 2004, 10:53 am
Elijah's Law Richard
Apr 23, 2004, 8:09 am
RE: RE: RE: RE: Elijah's Law Dorothy Keesler
Apr 23, 2004, 8:02 am
Elijah's Law Dan
Apr 22, 2004, 7:11 pm
RE: RE: RE: Elijah's Law Anne
Apr 22, 2004, 5:28 pm
Elijah's Law amy
Apr 22, 2004, 4:27 pm
Reply to Sandy Bill
Apr 22, 2004, 1:56 pm
Elijah's Law Dorothy Kent
Apr 22, 2004, 1:54 pm
RE: Elijah's Law Henry
Apr 22, 2004, 1:45 pm
RE: Elijah's Law cheryl
Apr 22, 2004, 1:41 pm
RE: RE: RE: Elijah's Law Susan
Apr 22, 2004, 1:38 pm
Elijah's Law Christine Uveges
Apr 22, 2004, 1:37 pm
RE: RE: Elijah's Law gARY
Apr 22, 2004, 1:32 pm
RE: Elijah's Law Barb
Apr 22, 2004, 1:08 pm
RE: RE: Elijah's Law Sandy
Apr 22, 2004, 12:46 pm
Elijah's Law Joann
Apr 22, 2004, 12:38 pm
Elijah's Law Daniel
Apr 22, 2004, 12:30 pm
Elijah's Law Nancy Korneliusen
Apr 22, 2004, 12:28 pm
RE: RE: Elijah's Law Larry
Apr 22, 2004, 12:28 pm
RE: Elijah's Law Marie
Apr 22, 2004, 12:02 pm
Elijah's Law Nataly C. Adams
Apr 22, 2004, 11:27 am
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