“Man’s best friend,” the domesticated dog reside in 36% of households in America. As a result, dog bites are the most common form of Animal attacks. Statistics from the Centers for Disease Control (CDC) show that over 4.5 million people are bitten by dogs each year in the United States. In addition, over 800, 000 people receive medical attention for dog bites. Children and senior citizens are the most vulnerable and make up the majority of dog bite victims.
Many homeowners have homeowner insurance policies insuring them against dog bite damage claims. We are seeing more and more of these policies having disclaimer provisions for dangerous dog breeds, meaning they do not cover claims of bites when the breed cause great damage, like pit bulls, or known to bite like Doberman's, German shepherds, even chihuahuas. Sometimes the dog owner is a tenant who keeps dogs in violation of the lease. Determining who has insurance coverage, and if the insurer will pay claims is important. If there is no coverage, the availability of assets to pay a claim is an important consideration when you are considering filing suit against the dog owner.
If you are a dog owner, you may want to carefully review your policy to determine if you have such coverage. We can help you with it, if you bring in your policy, we will look at it and give you our opinion.
Preventing Dog Bites
Dogs may bite because they are sick, scared, stressed or provoked. They may also bite because they want to protect valuable things to them such as their puppies, food, toy or even their owner. It is therefore, important to exercise safety and caution in order to prevent dog bites and attacks.
Even the most careful people may still be exposed to dog bites and attacks. When that happens, be sure to seek medical attention immediately even if you think your injury is not serious.