Is Your Pet Covered By Car Insurance in an Accident?

Nov 8, 2023 1 min read

Whether it’s just a short drive or a road trip across the country, keeping your passengers safe is a top priority. Safety features like air bags, seat belts and auto coverage help protect you and your fellow passengers. However, these precautions aren’t enough to protect every passenger that rides in your vehicle. Having auto coverage that meets your needs will help provide protection in the event of injuries to your passengers, including your pets. 

What Happens If You Get in an Accident With a Pet in the Car?

Many insurance companies will cover pets along with damage to your vehicle in a collision. However, dogs and cats are often the only animals that insurance companies will cover in the event of an accident. Even though pets are legally considered personal property, check your policy to see if you have Pet Injury coverage that protects your dog or cat during a car accident.

Understanding Pet Injury Coverage

Farm Bureau Financial Services’ Pet Injury coverage is not exclusive toward who is responsible for the accident and is focused on providing injury coverage for our furry companions. In the case of an injury or death resulting from a car collision or accident, Pet Injury coverage can help you pay for veterinary care, burial and/or disposal of household pets. If your dog or cat is injured or worse because of an accident, you may receive up to $1,000 to pay for veterinary bills and other related costs. 

Contact Your Insurance Provider

One of the first things you should do after an accident is contact your insurance provider, regardless of whether the accident is minor or severe. By contacting your provider, you can discuss what coverage is provided under your policy. Your insurance provider may need information from you regarding the accident, so here are some steps to take following the accident:

  1. Document the collision.
  2. Immediately file an accident report with the police.
  3. Visit the vet and get a copy of the vet visit record. 

Protect Your Pets While Driving

Review your personal policy with a Farm Bureau agent to make sure your four-legged friends are protected when you take them for a drive with this additional coverage option.

Want to learn more?

Contact a local FBFS agent or advisor for answers personalized to you.