Dog bites can cause serious injuries that lead to costly medical treatment, time away from work, and emotional trauma. If you or a loved one has been bitten, you may be wondering whether you need to report the incident to insurance and what coverage may apply.
In most cases, the dog owner is responsible for covering damages caused by their pet. This usually means filing a claim through their homeowners or renters insurance policy. In some situations, your own health insurance may initially cover medical expenses, but it’s common for insurers to seek reimbursement from the dog owner’s policy later.
Yes, most homeowners and renters’ policies include liability coverage for dog bites. This coverage typically pays for medical expenses, lost wages, and even legal costs if a lawsuit is filed. However, some insurance companies have breed exclusions, meaning they may not cover incidents involving certain breeds such as pit bulls, Rottweilers, or Dobermans. Additionally, if the dog has a history of aggression, the insurer may deny coverage or exclude future incidents. Reviewing the policy details is essential.
When reporting a dog bite, you’ll need to provide:
Providing accurate and detailed information helps ensure the claim is processed smoothly and that you receive the compensation you deserve.
Dog bite claims can be complex, especially when insurers dispute liability or coverage. If you’ve been injured, contact us at Becker Law Office today. Our experienced attorneys can review your situation, explain your rights, and help you pursue fair compensation.
Image credit: // Shutterstock // Tattoboo
