Legislature considers whether pit bull owners should pay higher insurance premiums [Sun Journal, Lewiston, Maine]
Feb. 15—Two area politicians are among those opposed to a bill that would force insurance companies to cease charging more money for some dog breeds they deem dangerous.
The proposed measure would bar insurers from canceling or refusing to renew property insurance policies solely because a policyholder owns a certain breed of dog. It would also bar charging more for those breeds.
It's a policy change sought by animal welfare groups who insist the discrimination against pit bulls and some other breeds maligns some dogs unfairly and makes it difficult for renters and others to adopt animals that need a home.
Former state Rep.
He told his former colleagues that his 71-year-old mother-in-law "was viciously attacked by a neighboring pit bull" in the spring of 2021 and "sustained lifelong injuries that have permanently altered her way of life, physically and emotionally."
Police said at the time that
"Could the vicious mauling that my mother-in-law endured have been prevented? Possibly," Connor testified Tuesday.
"I firmly believe that allowing insurance companies to discriminate against certain breeds of dogs is a proactive approach to preventing unnecessary harm to persons or property," Connor said.
"Waiting until there is a history of aggression in a dog before an insurance company can deny, cancel or increase the premiums on a policy is the definition of reactionary lawmaking and will certainly result in future maulings," he said.
The executive director the
The current law, which allows breed discrimination by insurers, makes that harder, she said.
"These policies severely reduce options for our community members and can challenge low-income households, contributing to housing insecurity, as well as causing many dogs to be needlessly surrendered to animal shelters and rescues because their loving family cannot find or afford home insurance while keeping the dog," Lisnik said.
"It also poses challenges to our life-saving work as dogs of particular breeds sit in our facilities for no reason other than insurance challenges," she added.
Lisnik said that "sound science" favors the proposed change to encourage insurers "to rely on an individual dog's behavior history to evaluate risk" instead of targeting particular breeds.
"The cancellation or nonrenewal of a property insurance policy or its increase in the premium based on the breed of an animal is without basis," he said. "There is no evidence that any breed of dog is inherently more violent than any other."
Fisk said that over time "a false narrative" has developed that often unfairly targets breeds such as Rottweilers, German shepherds, Doberman pinschers, Alaskan malamutes, and, of course, pit bulls.
"The problem is the policy is based on a falsehood that dog behavior is inherent, when it is actually learned," he said. "The problem lies with the owner, not the dog."
He said the "irresponsible owners and gang members" sometimes "train their dogs to be menacing," but a good caretaker could train the same dog to be a loving companion.
Fisk said bad owners should be held accountable, but it is an unfair policy to place "an arbitrarily and discriminatory restriction on responsible dog owners."
State Rep.
"My observation is that certain breeds are more commonly involved in those incidents, and that is why certain companies have restrictions around what types of dogs a homeowner can own if they are going to be covered by a policy," Landry told the committee.
He said restricting the ability of insurance companies "to properly underwrite and rate a risk will ultimately result in limiting the company options and premium rates for homeowners."
"With this in mind, I believe it should be left to the company whether they will write policies for homeowners who own certain breeds," Landry said.
Besides, he said, there are insurers in
Gilmore-Futeral testified that
In addition, a number of national organizations have urged other states to follow suit, Gilmore-Futeral said, including the
Connor said, though, laws ought to try "to prevent the worst from happening."
"For this reason, I firmly believe that allowing insurance companies to discriminate against certain breeds of dogs is a proactive approach to preventing unnecessary harm to persons or property," he said.
"Waiting until there is a history of aggression in a dog before an insurance company can deny, cancel or increase the premiums on a policy is the definition of reactionary lawmaking and will certainly result in future maulings," he said.
Connor said legislators should block the proposed change "and allow insurance companies to deny or cancel coverage or to increase premiums for those who decide to put themselves and others at risk by owning certain breeds of dogs with known aggression."
___
(c)2023 the Sun Journal (Lewiston, Maine)
Visit the Sun Journal (Lewiston, Maine) at www.sunjournal.com
Distributed by Tribune Content Agency, LLC.



KBRA Assigns BBB IFSR to Loggerhead Reciprocal Interinsurance Exchange
Car shopping trends and tips for 2023
Advisor News
- Global economy ‘resilient’ in the wake of massive disruption
- Cryptocurrency legislation takes one step forward with bipartisan support
- IRS CEO FRANK J. BISIGNANO VISITS OHIO TO TOUT WORKING FAMILIES TAX CUTS PROVISIONS ON NO TAX ON CAR LOAN INTEREST, NO TAX ON OVERTIME, ENHANCED DEDUCTION FOR SENIOR CITIZENS
- The hidden flaw in insurance AI adoption for advisors and carriers
- Rising healthcare costs impact 401(k) accounts
More Advisor NewsAnnuity News
- MetLife Expands Guaranteed Retirement Income Offering with Innovative Flexible Annuity Option
- How annuities can help protect retirees from financial scams
- MetLife Inc. (NYSE: MET) Climbs to New 52-Week High
- The Standard and Pacific Guardian Life Announce Entry into Agreement to Transition Individual Annuities Business
- AuguStar Retirement launches StarStream Variable Annuity
More Annuity NewsHealth/Employee Benefits News
- UPDATED: Hecklers disrupt Hinson rally as Iowa U.S. Senate candidate touts stock trading ban
- Hecklers disrupt Hinson rally ahead of Tuesday primary
- In Case You Missed It: Hecklers disrupt Hinson rally
- National Association for Veterans Rights Raises Questions About Federal Court Ruling Impacting Veteran Claims Assistance
- From Network Automation to Agentic NetOps: NetBrain Sets the Standard for Deploying AI in Network Operations
More Health/Employee Benefits NewsLife Insurance News
- AM Best Affirms Credit Ratings of Halyk-Life, JSC
- AM Best Affirms Credit Ratings of Symetra Financial Corporation and Its Subsidiaries
- AM Best Assigns Credit Ratings to Park Avenue Life Insurance Company
- Nationwide reaches reinsurance agreement with MassMutual on UL policy block
- Best’s Market Segment Report: AM Best Maintains Outlook on Philippines’ Non-Life Insurance Segment at Stable
More Life Insurance News