Dogs typically make excellent companions. They can work on farms by protecting livestock or may provide services to those with disabling medical conditions. They can help single people feel safer about living alone. They also provide emotional support and an incentive to exercise.
Many families and individuals enjoy having canine companions. However, dogs are not all friendly and gentle pets. Some dogs are more aggressive than others. Occasionally, a dog that has always been kind may suddenly become aggressive toward a delivery person or a neighbor’s child.
Dog bite incidents can cause an assortment of medical issues. Dogs can break bones, cause severe lacerations, generate disfiguring scars and give people dangerous infections. Those affected by dog bite attacks can have thousands of dollars in medical expenses, as well as property damage losses and lost wages.
Is a dog’s owner liable for the damage they cause to others?
Strict liability rules apply in dog bite situations
Technically, dog owners are liable regardless of whether the animal has previously displayed aggression or not. The state has a strict liability statute that allows those affected by aggressive animals to file insurance claims or lawsuits. Unless the injured party provoked the dog or broke the law immediately before the incident, they can often hold the owner accountable for the damage the animal caused. The people attacked by the dog can seek reimbursement for their various expenses.
Insurance often covers dog bite attacks
Dog owners typically have to disclose the presence of the animal to their insurance providers. Both homeowners insurance and renters insurance policies may include liability protection in a dog bite scenario. Provided that the insurance company is aware of the animal’s presence, those injured in a dog bite incident can secure compensation through that coverage.
Sometimes, insurance companies aren’t amenable to working with those with dog bite expenses. They offer low settlements or try to stonewall claims. People may need to file a lawsuit against the dog’s owner in order to get the insurance company to negotiate in earnest. In scenarios where there isn’t insurance coverage, the dog’s owner may have direct financial liability.
Those injured by an aggressive dog may need help obtaining appropriate compensation. Understanding that an animal’s owner is often liable can inspire people to take the necessary steps to recoup their losses. People who recognize that insurance can cover their losses may feel more comfortable about seeking compensation when they know a harmful animal’s owner.