Prepare for the Unexpected

Dog bite insurance settlements

No one ever expects his or her dog to bite or injure another person. But you cannot predict every circumstance your dog will be in. Even the most gentle of dogs can become defensive in various situations. Whether your dog bites, scratches or knocks a person over and causes an injury, you become liable for those injuries. A claim could be filed and if you do not have the proper insurance, then you are left paying those expenses out of pocket. Dog bite insurance settlements cost an average of over $20,000. That is a lot of money that most people do not have available to spend. You need to make sure that your homeowner’s insurance also covers your canine pets. If it does not include them, you can purchase an insurance policy for your dog.

These policies are available for all breeds of dogs. Every breed of dog has been known to bite so there is no discrimination on what breeds can get a policy. Each policy is written specific to the dog and a behavior history can be taken into consideration. Do not take the risk of having to pay outrageous dog bite insurance settlements out of pocket. Prepare for the unexpected and insure your canine pets.

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What to Expect With Dog Bite Insurance Settlements

dog owner liability insurance

If your dog has bitten someone, the chances are good you’ll be sued by the victim. This can be a scary experience, but it may help to know that many of these cases end with dog bite insurance settlements rather than going to court. The settlement experience can be challenging, so knowing what to expect is a good idea.

Set the Stage

When working with your attorney, you’ll want to go over your state’s dog bite laws. In order for a settlement to even be on the table, the victim needs to feel they could lose. If there are any circumstances that could put the case in jeopardy, these need brought out.

You can help here by showing what a responsible dog owner you are. Having insurance is a good first step, but you also need to show you haven’t made prior claims. This indicates that your dog doesn’t have a history of biting.

Work With Your Insurance Company

Remember that you also have another player in this—your insurance company. You want to keep them informed of developments and communicate with them. Since they will be paying the settlement, they are likely to investigate. Always be honest with them and provide them any evidence you can.

Wrapping Things Up

Your representatives will likely handle all the details of the settlement. As long as you can offer the victim adequate compensation for any injuries, most dog bite settlements end well.

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Become a Quality Renter’s Prospect With Dog Bite Liability Insurance

dog owner liability insurance

When landlords and management companies review rental applications, one of the things they note is whether the prospective renter has a dog. If so, they may hesitate to rent to the individual because of the potential danger dog bites pose and what it might cost them if this should happen. If you are looking for a new home for yourself and your pet, investing in dog owner liability insurance may improve your chances of securing the apartment you desire and prevent you from being turned down because of your furry friend.

Because many rental insurance policies do not cover dog bites, carrying additional insurance to cover a dog bite will give your potential landlord peace of mind when he or she rents to you. With this kind of insurance, your pet is covered and the landlord can be added to the policy if he or she wishes. This provides complete coverage for everyone involved.

Carrying dog owner liability insurance also shows a prospective landlord that you are a responsible individual who considers safety first. Even if your dog is friendly, insuring it against the unknown reflects a level of maturity that is attractive to those who rent out property. Look into dog bite insurance today and discover how it may improve your image as a quality tenant.

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How to Apply for Dog Owner Liability Insurance

There are many insurance agencies and brokers across the United States that offer dog owner liability insurance. If your county, homeowner’s association or apartment management require this coverage, make sure you choose an insurance carrier who is licensed in your state.

It’s important that you conduct your research and review policies carefully because there are different types of coverage. For instance, a company may only provide protection if your dog is on your property. Therefore, if you’re at the park and your pet bites someone, you’ll be responsible for paying all the out-of-pocket medical expenses.

You must also factor in the premium, which vary depending on the insurance agency. Deductibles impact how much you pay. However, there are insurers that don’t have deductibles. Things such as breed type and history of incidents are weighed in as well. Keep in mind some companies may not cover certain breeds while others have no exclusions. You can also reduce your rates if your pet has gone through obedience training, and you can provide proof.

Even though it seems like you’re going the extra mile to protect yourself because others think your dog poses a threat, it’s better to get dog owner liability insurance than to deal with the financial headache of being sued if your family pet acts out.

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Benefits of Dog Liability

There are many different types of dog lovers and owners. Some people have dogs that they show, some breed animals to sell, and others simply enjoy their company as pets. No matter what your relationship to your dog, they can pose a potential risk. Although they make loyal and friendly pets, they are still animals and can behave unpredictably. If you have a dog with behavioral problems there is a chance that it could inflict injury on another dog or even a human being. To protect yourself from the financial fallout of dog bites, dog liability insurance should be something you have.

The fact is that an upset or protective pooch may react aggressively to someone he sees as a threat to his pack. Dogs’ teeth and jaws are dangerous when used in such a manor and could cause a lot of damage that required costly medical attention. The owner of the dog could be held responsible for covering the costs of any hospital and doctor visits for the injured person. Due to the severity of dog bites, dog liability could save you if your animal should accidentally cause harm to a person. Not only will this insurance policy help cover any medical bills, but it will also protect you and your dog in case of any legal action. This type of coverage is no longer bundled with homeowners or renters insurance. It is something you must seek out on your own.

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Top Three Reasons to Invest in Dog Bite Insurance

Perhaps you have heard of dog bite insurance before but have never considered it as an investment. Whether your dog has a history of aggressive behavior or you are simply looking for peace of mind, there are many great benefits to owning pet liability insurance. Here are the top three reasons to consider protective insurance for you and your dog.


Dogs with a History


All dogs have a different story, and unfortunately those stories can include past abuse or neglect that leads them to act out on aggressive behavior. Other times, even dogs with good intentions, like protecting their owners, can be possessive and inclined to bite others. If your dog has a history of biting people, dog bite insurance can offer peace of mind and protect you from liability if your pup injures someone, even accidentally.


Dog Breed Liability


Homeowners and renters insurance can offer animal liability policies, however these often exclude certain breeds. The most commonly omitted breeds are:


  • Pit Bulls
  • Rottweilers
  • Akitas
  • German Shepherds
  • Doberman Pinschers


If you have one of these breeds or simply want thorough coverage, pet liability insurance is a great option. It extends to all dogs regardless of breed.


Legal Requirements


Some states and landlords require dog bite insurance. In fact, landlords may need to be added to your pet liability policy as insured parties. If your dog injures someone, you and your landlord can be accountable for all subsequent legal and medical bills. Pet liability insurance protects you both from these costs, and neither of you will have to worry about the legal consequences of not having coverage if your state requires it.


These are just some of the top reasons to invest in animal liability insurance.

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A Dog Bite Quote Can Provide Info on Valuable Protection


Dog Bite Quote
Dog Bite Quote

Dog bites occur to more than 4 million Americans every year. One out of every five of those bites causes an injury that requires medical attention, according to the Centers for Disease Control. Children between the ages of 5 and 9 are the most frequent victims of dog attacks and are also more likely than adults to be injured by a dog.


While strays and other strange dogs can be responsible, often people are actually bitten by the family pet or a dog owned by a friend. Dog owners bear the burden of a potential lawsuit when it comes to an altercation or any damages and should seek the help of a professional that can provide a dog bite quote for insurance coverage.


Ways in which to prevent dog bites


When shopping for a new pet, choose a dog with a good temperament for a family pet. Stay away from strays and strange dogs and never leave young children alone with a dog (especially an unfamiliar one). Do not ever try to play with any dog that is eating or while feeding her puppies. Whenever approaching someone while walking a dog, do so slowly, and give the dog a chance to sniff and become familiar. If, for whatever reason, a dog becomes aggressive, do not run away or scream. Stay calm, move slowly, and don’t make eye contact with the dog.


Treating wounds from a dog attack


It is probably a good idea to provide first aid for a dog bite whenever possible. Dog bites can cause infections that need to be treated with antibiotics, especially if the bite is deep, or the bleeding can’t be stopped, or there are any signs of infection (redness, swelling, warmth, pus).


The proper care for a dog bite injury that can easily be treated may require the following:


  • Place a clean towel over the injury to stop any bleeding


  • Try to keep the injured area elevated


  • Wash the bite carefully with soap and water


  • Apply a sterile bandage to the wound, and


  • Apply antibiotic ointment to the injury every day to prevent infection


For serious injuries, or just to be careful and avoid the possibility of infection, after dressing the wound the unfortunate victim should see a doctor. As a precaution, dog owners should seek a dog bite quote for coverage, which will often be necessary in the event their dog does cause an unfortunate injury.


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