In most cases, homeowners insurance covers dog bites if the insured is liable for the attack. It is common for insurance policies to include liability coverage, which can help cover medical bills, lost income, pain, suffering, and other losses if a homeowner’s dog bites someone. Coverage could also be available under renters insurance policies.
When Does Homeowners Insurance or Renters Insurance Cover Dog Bites?
Homeowners and renters insurance policies generally provide liability coverage for incidents involving dogs. That means if someone else’s dog bites you, the homeowners or renters insurance policy of the dog’s owner may be available to cover medical costs that arise from treating the injury, lost wages, pain, suffering, and other losses due to the dog bite.
The liability coverage sometimes extends beyond the owner’s property. It could include situations where you suffer a dog bite at a park, on the street, or at another location.
However, it is essential to recognize that there are some exceptions. Some insurance companies exclude specific dog breeds or animals with a history of aggression. Additionally, coverage limits may apply. If the homeowner’s or renters insurance policy does not provide dog bite coverage, standalone dog liability insurance might be an option if the dog’s owner purchased it.
Does Homeowners or Renters Coverage Mean the Dog Owner Won’t Pay Out of Pocket?
The insurance company typically pays the settlement or judgment when you file a dog bite claim under homeowners or renters insurance. That can ease the financial burden on dog owners and help victims feel more comfortable bringing a claim, particularly in cases where the dog belongs to a friend, relative, or neighbor.
If you’re concerned about filing a dog attack claim against someone you know, remember that insurance is designed for situations like this. It allows bite victims to recover losses without placing the financial burden entirely on the dog owner. It is especially important in cases where dog bite injuries require extensive medical care.
How to File a Homeowners Insurance Dog Bite Claim
If you’re filing a dog bite insurance coverage claim, take these steps:
- Document the incident – You should take clear photos of the injury immediately. You should verify that the dog has its rabies vaccination, as you could require further medical treatment if the dog is not current on its vaccines. It can also be helpful to take statements from witnesses and save any medical bills or receipts.
- Get information from the dog’s owner – If possible, obtain contact and insurance information from the dog’s owner.
- Keep documents – Be prepared to provide additional documentation, such as medical reports and proof of lost wages.
- Get legal help. The attorneys at Jebaily Law Firm are ready to help you seek maximum compensation for your dog bite losses from all available sources of insurance coverage.
Talk to Our South Carolina Dog Bite Attorneys for Help Now
If someone else’s dog has injured you, you may have questions about whether homeowners insurance covers dog bites and what rights you have to pursue compensation. It is crucial to reach out to a skilled and compassionate legal team to discuss your options as soon as possible.
At Jebaily Law Firm, we understand how difficult it can be to deal with painful injuries resulting from a dog attack. Call us or contact us online today for a free consultation and let our experienced dog bite attorneys provide the support you need.
