If you own a dog, it is important that you carry dog bite liability insurance. You also should know your liability under the law. In some cases, you may not be liable if your dog bites someone.
While every state has its own laws, in general, each state will set the rules for when an owner is liable if his or her dog bites another person. One type of law that a state may have will hold the owner liable if the dog bites anyone who wasn’t provoking it. Another type of law is that the owner may be held liable for any bite if the owner knew the dog was likely to bite. The last type of law is basically a negligence law that states a dog’s owner is liable because it was reasonable to assume the dog would bite.
You should also carry dog bite liability insurance to make sure you are covered if your dog does bite someone. Insurance will help to pay any damages that you may be ordered to pay by a court. Even if the court sides with you in a lawsuit, you will still have legal fees that your insurance may cover.
Understanding the law and protecting yourself with insurance are two smart things to do if you own a dog. Even if you don’t think your dog will ever bite someone, you should still be prepared.