Dog Bite Insurance Coverage
If you or someone you love was attacked by a dog, you may be entitled to compensation. Learn about dog bite insurance coverage and if you can recover.
Question:
Does homeowners insurance cover dog bites?
Answer:
Homeowner’s insurance does cover dog bite cases and if the dog owner has renter’s insurance, the renter’s insurance may cover it as well. We’ve had some situations, though, where people have a dog and the dog has bit somebody, and the insurance company then puts an exclusion in the policy for future bites of that particular dog. We’ve had that situation come up before in a really tragic case involving an English bulldog that attacked an elderly woman and there was an exclusion in the policy. It’s important to make sure that there’s coverage in place right away, when we get these claims, because we want to make sure that there’s a source to get people compensated for their pain and suffering.
Many times with these dog bite cases, it’s not so much the medical treatment – because a lot of it is scar related – it’s the permanent effect of having that scarring. Sometimes tendons get severed during a bite and there may be some surgery involved, so we really want to make sure that there’s coverage available and do our investigation. Like I said, we hire investigators to go out and canvas the area and talk to people in the neighborhood about this particular dog. We want to make sure all those things are done up front.
Were you or a loved one attacked by an animal and have questions about dog bite insurance coverage? Contact a Hamburg dog bite lawyer at Chiacchia and Fleming today for a free confidential consultation and case evaluation. Let our experience work for you.
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