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

Dog Bite Insurance Claims: What You Need to Know

Dogs can be loving and loyal companions, but even the most well-behaved canine can lash out and bite someone. When it happens, you may find yourself facing a dog bite insurance claim. It’s important to understand the process and know when you need a lawyer to help.

The Costs of Dog Bites

Dog bites can cause serious physical harm and emotional trauma. Depending on the severity of the wound, victims can suffer from scarring, nerve damage, or even disfigurement. In some cases, a single bite can result in thousands of dollars in medical bills as well as lost wages due to time away from work while recovering.

Insurance Claims

Most homeowners’ insurance policies include liability coverage for dog bites, meaning that if your dog injures someone, their medical bills will be paid by your insurance company up to the limit of your policy. That limit is often several thousand dollars per incident.

However, if the victim’s medical costs exceed your policy limit or if they are seeking compensation for their pain and suffering, they may file a lawsuit against you in order to collect additional damages. In this case, you should hire a lawyer immediately to help protect your rights and defend you in court.

The Claims Process

When someone is injured by your dog, they will likely contact your insurance company directly to initiate a claim. The first step is for them to provide documentation of their injuries and medical bills as proof of their losses. Your insurance company will then review the evidence and determine how much compensation they should provide. Depending on the severity of the injury, this amount could be quite substantial.

In some cases, the victim may be offered a settlement by your insurer in order to avoid going to court. If so, it’s important that you seek legal advice before accepting any offers or signing any paperwork that would release you from responsibility for future claims related to the same incident.

When You Need a Lawyer

If you are sued by someone who was injured by your dog or if you are being asked by your insurer to pay more than what is covered under your policy limits, then it’s time to call an attorney. A lawyer can help negotiate with both parties on your behalf and ensure that any settlements are fair. They can also protect you from being taken advantage of by either party.

It is important to note that even if someone does not have an attorney representing them in their case against you, it is still in your best interest to hire one for yourself in order to protect your rights and interests throughout this process.


Dog bite insurance claims can be complicated and expensive affairs – both financially and emotionally – but understanding the process can help make sure that everyone involved gets a fair outcome. If you find yourself facing such a claim, make sure to contact an experienced attorney who can guide you through every step of the way and ensure that all parties get the best possible resolution.