To be honest, I'm not really worried about law enforcement trying to falsify the database. In the past, I've seen local police departments specifically notify local radio stations where the speed traps were going to be on any given day in the interest of safety and such.

I'm more worried about script kiddies trying to explore the database's failure modes.

I'm more worried about script kiddies trying to explore the database's failure modes.

Better not tell d33zy about it then.

I just got a top quote from Zurich for my Scooby - £515

Age: 32
Wife's age: 30
Sex: Male
Cars: 1 (but access to wife's car)
My car: Subaru Impreza 2.0 Sport 5 dr
Wife's car: Fiat Punto 1.4
Points on license: 6
Points on wife's licence: none
Accidents on current record: One, small, my fault (well - a large dog's really, but he ain't taking the rap)
Accidents on wife's current record: none

Adding my wife to my policy reduced the premium by 14%, but adding me to my wife's reduced her premium by 18% - gotta love those actuaries, huh?

Were you driving in someone's yard when you hit the dog? Was Guiness involved? How can hitting a dog be your fault?

If you hit a dog and you don't know who the owner is then you are going to have to claim off your own insurance for any repairs (to the car, not the dog). This in the UK at least would be classed as your fault (because the end result was that all the cost of the claim was borne by your insurer).

I believe that if you know who the dog belonged to then in theory you (or our insurance company) could go after the owner to recover the costs. Dogs (in UK law) are classed as under control of their owners, meaning that the owners can be held liable for the dog's actions. Cats on the other hand are classed as uncontrollable and you aren't liable for their actions.

I now feel compelled to say, IANAL...

As far as I know in the US....
...livestock are the driver's fault unless the owner is persistently negligent in keeping them fenced.
...dogs with tags are the owner's fault, without are considered a road hazard.
...cats get you a discount.

Same here. I usually drive a Trans Am, but while I'm re-doing the engine, someone gave me a Nova (Vauxhall, not Chevy) they were throwing out; I couldn't believe that all the insurance quotes I was getting were more expensive than the Trans Am (5L v 1.2L!).

I guess it has something to do with the 'enthusiast' rating - over here I'm less likely to be a boy-racer in a Trans Am than in a Nova!

The dog was big and brown and roaming freely. I didn't chase after it to find tags, partly as I was more concerned about removing the bollard which had attached itself to the underside of my car (removing both exhaust downpipes in the process, thus making my little 2 litre flat four sound very much bigger)

So as far as insurance is concerned, all my fault.

Akkkk!