Unfortunately, our dogs cannot talk to us and tell us when something is wrong. When they become frightened or hurt, they only know how to communicate in their own language. This may mean cowering in fear, or it could mean acting aggressively. Dog bite insurance claims can be costly, and might mean you have to find your dog a new home due to these expenses. It is a good idea to take precautions. Making sure your dog is trained, leashing your dog and socializing at a young age are all measures that can help prevent an accident in the first place. It is also a good idea to protect yourself financially.
Laws vary from state to state. Many states deem an owner responsible if the owner knew or should have known their dog had a tendency to bite. Some states hold a dog owner responsible for injuries regardless of whether or not the owner knew the dog might bite. Other states have “breed specific” laws that designate certain breeds of dogs as vicious. In these states, simply owning a dog deemed vicious is enough to hold an owner liable. All of these laws can be confusing. The best course of action is to make sure you are covered regardless of the state or your dog’s propensity to bite. Several companies provide policies that specifically cover against dog bite insurance claims. These policies can be a real lifesaver.
If your dog injures a person or animal, you can be held responsible. While most people know this, there are still many that don’t have insurance on their dog. For some, they don’t realize how much they could be responsible and how much dog bite insurance settlements will pay out on their behalf. You don’t have to suffer a loss of money on top of everything else. If you aren’t sure what you could be held responsible for, there are four main components.
First, you can be responsible for any medical or veterinary bills that the other party has had to pay. Also, if your dog caused any injuries that forced a person out of work or if they bit an animal that was a source of income, you could be responsible for the loss of income for however long it took to heal. This can be a giant loss for you. There is also property damage and pain and suffering that you could be liable for.
All of this could cost you a lot of money without dog bite insurance settlements. It’s important to have insurance to protect you and your pets from a lawsuit that you can’t afford. Having a pet is a huge responsibility but insurance can make it easier.
If you own a dog, or know somebody who does, you are in good company. According to a 2014 survey by the Insurance Information Institute (III), almost 57 million American households have a dog. By percentage, that’s almost half of all American homes. If you do own a dog, there are some things you should know about dog bite insurance claims and what your homeowner’s policy may or may not cover. The figures below come from the 2014 III study.
According to the Centers for Disease Control, 4.5 million people are bitten by dogs every year.
Of these dog bite victims, about 885,000 require medical attention.
About half of the victims are children.
Dog bites and dog-related injuries accounted for more than a third of homeowner’s liability claims.
These claims paid out more than 530 million dollars.
The average cost per claim was a little more than $32,000.
Many people assume their homeowner’s insurance will cover dog bite insurance claims, but this is not always the case. Some companies will not insure certain breeds of dogs, others go on a case-by-case basis, and some no longer cover dog liability at all. If your policy doesn’t adequately cover dog liability, there are companies that issue policies specifically for dog bites. This coverage protects people in the unfortunate event that their dog bites somebody. It is something every homeowner should consider.
Picture this scenario in your mind: You don’t have dangerous dog liability insurance. And from the very first moment you welcomed your beloved Fido into your home, you probably never thought you’d be faced with a dog bite lawsuit. Your pet is as nice can be, and he has never acted so aggressively towards anyone before. Now you have to figure out how to pay for any legal and medical bills that arise from this situation, which is going to cause you to deplete your savings.
Dog Bite Attacks Are More Common Than You Think
Unfortunately, this is an all too common situation for many pet owners. Although you can’t control your pet every second of the day, the next best course of action is to purchase a good dangerous dog liability insurance policy for protection.
It only takes a few moments to get a quote and purchase a policy that protects you and your family from the financial stress and consequences that can occur should your pet be named in a dog bite attack lawsuit. A good policy offers you a broad range of coverage that makes it easier for you to live your life without constantly worrying about what could happen should your pet attack someone. Contact a credible pet insurer and speak with one of their agents to learn more about your coverage options today.