Dog Bites and the Law: Liability Insurance for Dog Owners
Law Offices of David Drexler
Personal Injury Attorney, Accident Lawyer, Car Accident Lawyer
Dog Owners Are Advised to Obtain Liability Insurance to Cover Dog Bite Litigation
According to the insurance industry, a third of all homeowner claims involve dog bites. Victims can hire dog bite lawyers - homeowners need insurance.
Dogs are a part of a family and therefore a part of a home. But because dogs sometimes bite, those bites can add up to expensive litigation and compensation to victims. This is due in part to how those victims are often children and suffer from disfiguring facial wounds. Who can blame them if they hire a personal injury lawyer to sue you?
Dog-owning families can do several things to protect others from bites - and save themselves from having to hire a defense attorney. It begins with the adoption of the pet, measures they take to avoid bites, and having insurance to cover them if there is a dog attack incident. Here are the specific steps to take:
Adopt carefully - If adopting a “rescue/shelter” dog, work with an agency that provides background on the dog and which will verify that the dog is not dangerous. If adopting a puppy, work with a veterinarian or animal behaviorist to determine the propensity of your dog being aggressive and its ability to adapt to your home (for example, are you able to provide enough exercise to a very active dog?).
Neuter and socialize your dog - Dogs that aren’t neutered are three times more likely to be aggressive and to bite. Dogs that are accustomed to being around other dogs and other humans are less likely to get aggressive with strangers.
Leashes and fences - If you do not control your dog outside your home, you become liable for any injuries that might result. Uninvited intruders in your home or yard cannot sue you if your dog is contained within a fence or in the house.
Check your homeowners or renters insurance policy - Dog bite insurance is typically included with most insurance policies on your home or apartment, with coverage ranging from $100,000 to $300,000.
Even though it may seem as if $300,000 of insurance would be sufficient, some dog bite injuries lead to permanent disabilities and disfigurement. If your dog is responsible for such injuries, or you are the victim, a dog bite lawyer can help you better understand your options.
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