Our personal injury law firm receives many calls from people bitten by dogs who want to know if the owners’ homeowners insurance policies apply. Homeowners insurance applies not only to incidents if the bite occurred on the property but also if the dog bit the victim down the street, in the neighborhood, or even in another city.
Every case must be examined on its own facts to determine whether or not homeowners insurance would apply, but people shouldn’t assume that the negligence had to occur at the house.
At Shapiro, Washburn & Sharp, we understand how scary and upsetting a dog bite can be. Contact our experienced lawyers to schedule a free review of your claim and determine what course of action we recommend for your situation. Call us today at 833-997-1774 to learn more about your legal options.
Does Homeowners Insurance Typically Cover Dog Bite Claims?
Most standard homeowners insurance policies cover dog bite claims under the personal liability section. This coverage is designed to pay for medical expenses, legal fees, and other damages if your dog injures someone or damages their property. However, coverage may vary depending on the policy and the circumstances of the incident.
Policies often provide liability limits ranging from $100,000 to $300,000, but any costs exceeding these limits would need to be paid out of pocket.
Are There Any Breeds or Dogs Excluded from Coverage?
Some homeowners’ insurance policies exclude certain dog breeds that are considered high-risk or have a history of aggressive behavior. Breeds often excluded include Pit Bulls, Rottweilers, Doberman Pinschers, and others. Additionally, if your dog has a documented history of biting or aggressive behavior, the insurance company may deny coverage for future incidents involving that dog.
If your policy excludes coverage for your dog, you may need to purchase additional liability insurance, such as a personal umbrella or canine liability policy, to protect against potential claims.
What Steps Should You Take After a Dog Bite Incident?
If a dog has bitten you and the owner’s homeowners insurance refuses to pay for your damages, you still have legal options to seek compensation. Here are the key steps you should take:
Seek Medical Attention and Document Your Injuries
Immediately seek medical care for the dog bite to prevent infection and ensure your injuries are documented. Obtain copies of medical records and bills as evidence of your treatment and expenses.
Gather Evidence
Collect all available evidence related to the incident. This includes photographs of your injuries, the location of the attack, and contact information for any witnesses. Evidence proving the dog’s aggressive behavior, such as prior complaints or bite history, can strengthen your case.
File a Police or Animal Control Report
Reporting the incident to local authorities ensures an official record. This report can be crucial in proving the dog owner’s negligence.
Consult an Attorney
If the owner’s insurance refuses to pay, consult a personal injury attorney experienced in dog bite cases. The attorney can evaluate your case, identify liability, and help you explore other legal avenues for compensation.
File a Lawsuit Against the Dog Owner
If necessary, your attorney can file a personal injury lawsuit against the dog owner. You may seek damages for medical expenses, lost wages, pain and suffering, and emotional distress.
What Should I Do If I Think I Have a Personal Injury Case?
If you have suffered dog bite injuries, call 833-997-1774 to schedule a free consultation with one of our dedicated personal injury lawyers. At Shapiro, Washburn & Sharp, we have obtained more than $100 million in settlements and awards for our clients and will work diligently to get you the financial compensation you deserve. We work on a contingency fee basis, meaning we only get paid if you win your case!