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

It’s happened—your pet has bitten someone, and now you are facing a dog bite insurance claim. Suddenly, you are dealing with medical bills and potential legal action. What should you do?

First and foremost, it is important to understand your legal rights and obligations. Dog bite insurance claims can be complicated and often require the help of an experienced attorney. Here’s what you need to know.

What is Dog Bite Insurance?

Dog bite insurance is a special type of coverage that provides financial protection in the event that your pet bites someone. Many homeowners’ or renter’s policies include this coverage, but it may also be purchased as a separate policy.

This type of coverage typically covers medical bills for anyone injured by your pet as well as legal fees if you are sued for damages as a result of a bite. It can also cover property damage caused by your dog, such as damaged furniture or clothing.

Understanding Dog Bite Liability Laws

The laws regarding dog bites vary from state to state, so it is important to understand the applicable laws in your area. In general, most states follow a “strict liability” rule which means that the owner of the dog is held responsible for any injuries or damages caused by the animal, regardless of whether or not they were negligent in controlling the animal.

In most cases, the owner will be required to pay for any medical expenses related to the injury as well as any other losses suffered by the victim such as lost wages or pain and suffering. In some instances, punitive damages may also be awarded if there was gross negligence on the part of the pet owner.

Hiring an Attorney

If you have been sued for damages resulting from a dog bite, it is important to seek legal counsel immediately. An experienced attorney can help protect your rights and ensure that you are not held responsible for more than you should be.

Your lawyer will review all evidence related to the case and advise you on how best to proceed. They can also help negotiate a settlement with the plaintiff or represent you in court if necessary.


Dealing with a dog bite insurance claim can be stressful and overwhelming, but with the right approach it can be managed successfully. Knowing your legal rights and obligations is essential when dealing with these types of claims, so it is important to seek professional advice from an experienced lawyer who can help protect your interests throughout the process.