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.