Horse owners, stable managers, and trainers often have insured horses in their care. What people sometimes forget is that insured horses are the subject of a contract that requires special attention and action, such as notifying the insurer if the horse becomes injured or ill. Representing an insurance company, this author recently won an equine insurance lawsuit in an Illinois federal court where the court denied the horse owner any benefits under an equine insurance policy because he waited too long before notifying his insurance company that his horse had become seriously lame.
This article briefly discusses the case and concludes with some examples of how you can avoid disputes with your insurer.
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