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dog bite insurance claims

Avoiding Situations that May Lead to a Lawsuit

Nearly 40 percent of American households own at least one dog, and this can cause a lot of potential instances where someone may wind up being bitten by a dog. This probability can lead to the conclusion that a dog bite lawsuit will be filed whenever the victim is seriously injured. It’s a fact that domestic dogs bite people, on average, 4.7 million times every year in the US. That sounds like a staggering number, but it shows that a real danger exists.

No one wants to have to deal with dog bite insurance claims, but if your dog is not well trained, or easily gets over stimulated, then there is the propensity for the animal to attack someone. Dog owners might want to consider signing up their pets for training classes taught by a professional dog trainer as this can help to reduce these concerns.

Why dogs have a tendency to bite

There are a number of environmental triggers that can cause even-tempered dogs to attack without warning. Some of the more common triggers include defending their territory, offspring or even their food. Dogs can become uncomfortable when being confronted by a stranger or when they find themselves in an unfamiliar situation. Dogs are known to bite if taunted or provoked by someone, and will often attack after suffering an injury or illness of some kind. Even normally well-behaved dogs may bite at times they feel nervous or suddenly threatened in any way.

Children should always be supervised when a dog is present. For example, a child left alone with an unfamiliar dog may accidentally step on the animal’s tail, where the dog may react and bite the unsuspecting youngster. Many homeowners assume their dog is friendly when the animal has been raised around their own kids but they can react quite differently around other people’s children.

Children receive quite a number of bites and scratches from pets, some of which may cause permanent disfigurement or worse. These types of scenarios lead to litigation against dog owners for pain and suffering, trauma, and the cost of medical bills. It’s important to remember that children and senior citizens suffer the most dog bites. In about half of all dog bite cases, the victim is 12 years old or younger with many of the injuries occurring near the vulnerable areas around the head and neck and can result in costly dog bite insurance claims. Get the coverage you need today.


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dog bite insurance claims

Protect Yourself From Dog Bite Claims

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.

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