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

When a person is bitten by a dog, it can be a traumatic experience that leads to emotional and physical scars. Dog bites can result in substantial medical bills, pain and suffering, and even long-term disability. It’s important for victims to understand their rights when it comes to filing an insurance claim for a dog bite.

What is Dog Bite Insurance?

Dog bite insurance is a type of liability insurance that covers the costs associated with a dog bite. This kind of coverage is typically included in homeowner’s insurance policies and may also be available as a stand-alone policy. The coverage typically includes medical expenses, pain and suffering, and other damages resulting from a dog bite. It can also provide protection for the dog owner if they are sued for damages related to the incident.

Do I Need an Attorney?

In most cases, it is highly recommended that you seek legal advice before filing an insurance claim for a dog bite. An experienced attorney will be able to advise you on your rights and options, and help you present your case in the best possible light. A lawyer can also help negotiate on your behalf to ensure that you receive the maximum amount of compensation available under the policy.

The Process of Filing an Insurance Claim

When filing an insurance claim for a dog bite, it is important to provide as much detail as possible about the incident. You should include any medical records, photographs of the injury, witness statements, police reports, and other documents related to the incident. Your attorney can help you gather all the necessary evidence and prepare your claim properly.

Once you have submitted your claim, your insurance company will investigate the incident and determine whether or not you are eligible for compensation under their policy. If approved, they will issue payment for your claim directly to you or through your lawyer’s office.

Common Reasons for Denial of Claims

Insurance companies may deny claims related to dog bites for several reasons, including:
• The policy does not cover claims related to intentional acts by the animal’s owner or handler;
• The animal was provoked;
• The victim was trespassing; or
• The victim was engaged in criminal activity when attacked by the animal.

It is important to remember that each state has its own laws regarding dog bites and liability coverage. An experienced attorney can help ensure that your rights are protected throughout the process of filing an insurance claim for a dog bite.


Dog bites can be traumatic experiences that leave victims with both physical and emotional scars. When filing an insurance claim for a dog bite, it is important to understand your rights and options under state laws as well as those outlined in your policy. An experienced attorney can help you navigate the claims process and ensure that you receive full compensation under the policy.