“Dog Bite Insurance Claims: What You Need to Know”

Dog Bite Insurance Claims: What You Need to Know

It is estimated that nearly 4.5 million people are bitten by dogs in the United States each year. Although most of these incidents are minor, some can be serious and require medical attention. When a person is injured by a dog bite, they may have the right to file an insurance claim for compensation for their injuries and other related expenses. In this article, we’ll discuss what you need to know about dog bite insurance claims and why you may need a lawyer to help you with the process.

What is Dog Bite Insurance?

Dog bite insurance is coverage that is added to your homeowner’s or renter’s insurance policy to provide financial protection if your dog bites someone. This type of insurance typically covers medical costs, lost wages, pain and suffering, and even legal fees if you are sued as a result of a dog bite incident. The amount of coverage varies depending on the policy and can range from $100,000 to $500,000.

Do I Need a Lawyer for a Dog Bite Claim?

In most cases, yes. A lawyer can help you navigate the complex process of filing an insurance claim for a dog bite injury. They can also help you negotiate with the insurance company to ensure that you receive fair compensation for your injuries and other related costs. Additionally, they can provide advice on how to avoid similar situations in the future.

What Should I Do After Being Bitten By a Dog?

If you or someone else has been bitten by a dog, it’s important to take immediate action in order to protect your rights. First and foremost, seek medical attention right away. Even if the injury appears minor at first, it’s important to get checked out by a doctor in case there are any underlying issues that need to be addressed.

Then, contact the police or animal control department in your area so that they can investigate the incident and determine who is responsible for the dog bite. Make sure to get as much information about the incident as possible such as names and contact information of witnesses and any pictures or videos taken at the scene of the attack. This will be helpful if you decide to pursue an insurance claim in the future.

Finally, contact an experienced personal injury lawyer who specializes in dog bite cases as soon as possible so that they can advise you on how best to proceed with your claim against the responsible party’s insurance company.

What Damages Can I Receive From a Dog Bite Claim?

When filing an insurance claim for a dog bite injury, there are several types of damages that may be available to you depending on the circumstances of your case:

• Medical expenses: These include any costs associated with medical treatment such as hospital bills, doctor visits, prescription medications, physical therapy sessions, etc.

• Lost wages: If your injury has caused you to miss work or reduced your earning capacity due to disability caused by the dog bite, you may be able to receive compensation for these losses through an insurance claim.

• Pain and suffering: This type of damages covers both physical pain caused by the injury as well as emotional distress due to fear or anxiety resulting from being attacked by a dog.

• Property damage: If your property was damaged during the attack (i.e., clothing or other personal belongings), you may be able to receive compensation for these losses through an insurance claim as well.

• Punitive damages: In some cases, punitive damages may also be available if it can be proven that the owner of the dog acted with gross negligence or malicious intent when allowing their pet to attack another person or their property.

How Long Does it Take To Settle A Dog Bite Claim?

The amount of time it takes to settle a dog bite claim will depend on several factors including how complicated your case is and whether or not there are any disputes between parties involved in the process (i.e., between you and the responsible party’s insurance company). In general though, most claims take anywhere from six months up to two years before they are resolved and any payments made out on them.


Being bitten by a dog can cause serious physical injury as well as emotional trauma which is why it’s important for victims of these incidents to understand their rights when it comes filing an insurance claim for compensation purposes. Although having an experienced lawyer can help simplify this process significantly by providing advice on how best approach negotiations with insurers and ensuring that all relevant evidence is presented properly so that victims receive fair compensation for their injuries and other related costs associated with their case.. Furthermore, understanding what types of damages may be available through such claims along with how long they tend take settle can also prove useful when evaluating potential outcomes from taking legal action against those responsible for causing harm through their pets.