My Dog Bit Someone -- Now What?

Dani Milton
November 3, 2020

Dogs and puppies provide many positive benefits for the people who love them. These canine companions offer incredible friendship, emotional support, and an active lifestyle for their adoring pet parents. They also make children more empathetic by encouraging their cognitive development and socialization skills. A study estimates that almost 38 percent of American households have a dog. Even though dogs are essential family members, a few canine companions can become aggressive and bite. According to the Centers for Disease Control, the United States has an average of 4.7 million dogs bite incidents every year. Almost 800,000 bite wounds require medical care each year. Even if your pet is friendly, a single stressful situation may trigger your beloved pet to act aggressively. If your dog bites someone, it can potentially inflict serious injuries that require expensive medical treatment. If your insurance doesn't cover pet-related incidents, you could pay thousands out-of-pocket.

The best way to protect yourself and your puppy is to purchase a canine liability policy. Today, you'll learn how this coverage can help your family.

Which Dog Breeds Bite the Most?

Medical researchers from Texas, Ohio, and Virginia released findings from a refereed study that examined the risk of biting injuries from different canine breeds. These scientists sifted through data from 1970 until 2019. They used the “40 bite benchmark” as a minimum requirement to document a breed. Only 43 studies met the investigators' criteria. In 2019, the top six breeds responsible for dog bites were:

  1. Unknown (The Type of Dog involved was Unknown)
  2. Pit Bulls (22.5 percent)
  3. Mixed Breeds (21.2 percent)
  4. German Shepherd (17.8 percent)
  5. Terriers
  6. Rottweilers

The researchers found that injuries from pit bulls and mixed breeds were more frequent and inflicted greater damage per bite than other breeds.

Owner Liability for Dog Bites

Most states have strict liability statutes. The ideals upholding these laws is that pet owners should be responsible for the damages and injuries their canines cause. Generally, the dog owner is financially responsible, even if they didn’t know their pet posed a danger to other people or pets. A few states have less strict statutes, because they take into consideration conditions that may be under the owner’s control, for example, when their pet roams without supervision.

According to the Insurance Information Institute, most states have three types of liability regulations.

State Dog-Bite Statutes – Under these laws, a dog owner is automatically liable for any property damage or injuries that their pet inflicts. It doesn’t matter if another person provoked the canine or not.

“One-Bite” Laws – Some states don’t hold the owner liable if their dog bites another individual or pet for the first time. Some pet parents can be sued if their puppy showed a previous propensity for violent, vicious, or aggressive behavior. A few states have started to remove these laws off of their books and hold the pet parent responsible, even if they haven’t shown any aggression before the first incident.

Negligence Laws – These statutes hold the dog owner liable if an injury occurred because the guardian was extremely reckless, negligent, or failed to control their pet.

There are some exceptions. Many states don’t hold owners responsible if another person or pet trespassed their property.

When a dog owner is found legally liable for their pet’s behavior, they will be responsible for financially reimbursing the injured person’s medical bills, lost wages, pain and suffering, as well as any property damage.

Criminal Liability for Dog Bites - Some states are beginning to charge dog owners whose negligence results in severe injuries or death of another individual. One well-known case involved California resident Diane Whipple. On January 26, 2001, Whipple was attacked and killed by two Presa Canario dogs. They belonged to her neighbor Marjorie Knoller. The owner was later convicted of involuntary manslaughter and sentenced to four years in prison for involuntary manslaughter. She also paid $6,800 in restitution. Her husband, Robert Noel, was convicted on a lesser charge, but also received a four-year prison sentence. Knoller was the first Californian convicted of murder resulting from a dog attack.

Dog Bites Aren’t the Only Thing You Should Worry About

Even if you believe that your pet couldn’t harm a fly, you should still think about buying a dog liability policy. Biting incidents aren’t the only issues that you should consider. For instance, your pet could escape and start digging up your neighbors’ yard or damaging their property. A friendly puppy can jump up when greeting your guest and accidentally knock them over, causing them to injure themselves. Depending on your coverage, your homeowners’ coverage, renters’ insurance or a dog liability policy may pay for any injuries that your furry friend causes.

How Homeowners Can Protect Assets

Some people don’t believe that their pets could harm anyone, especially if they’re well-behaved and friendly toward most people. Unfortunately, any dog can become aggressive under the right circumstances. If your four-legged companion gets anxious around small children, it could bite one. When your pet hasn’t had enough socialization around other people or pets, it can become anxious, aggressive, or scared and bite. These traumatic incidents can leave victims with physical injuries and bad memories.

It’s your duty as a dog owner to have adequate insurance coverage for any accidents that your pet may cause, whether you have a lap dog, a well-behaved puppy, or an aggressive canine. Even a toy dog can attack a child, leaving disfiguring scars on their face. These incidents can cause financial ruin if you don’t have the right insurance coverage to protect yourself.

Here are four types of coverage you may want to consider:

Homeowners Insurance Policy – If you own a home, you should have a Homeowners Insurance Policy. A homeowner’s insurance policy that will financially protect you if your pet harms someone else.

Renters Insurance Policy - If you live in a rental property, make sure to purchase a renters insurance policy that will financially protect you if your pet harms someone else.

Umbrella Policy – It provides excess liability coverage for people if damages against third-party extend beyond their homeowners or renters insurance policies.

Dog Liability Insurance – These policies will cover some breeds not covered by standard Homeowners or Renters Insurance Coverage.

How Homeowners Insurance Policies Cover Dog Bites

Pet owners should consider buying enough insurance to shield themselves against any potential lawsuits that could arise if their dog bites someone. Some homeowners and renters insurance policies may provide coverage for some dog biting incidents.

They typically offer $100,000 to $300,000 in liability coverage. If a chargeable claim exceeds these limits, the dog owner is financially responsible for that amount, including the claimant’s legal fees. Homeowners with pets should keep at least $100,000 for liability plus $1,000 for no-fault medical payments to cover any dog-related incidents or accidents. Preferably, you’ll want to buy homeowners' insurance policy that provides $300,000 worth of coverage and $5,000 for no-fault medical payments. Unfortunately, many of these insurance policies have exclusions that prohibit any damages arising from incidents with aggressive dog breeds.

The 14 breeds blacklisted from coverage by most homeowners and renters insurance policies include:

  • Pit Bull Terriers
  • Staffordshire Terriers
  • Rottweilers
  • German Shepherds
  • Presa Canarios
  • Chow Chows
  • Doberman Pinschers
  • Akitas
  • Wolf-hybrids
  • Mastiffs
  • Cane Corsos
  • Great Danes
  • Alaskan Malamutes
  • Siberian Huskies

If your Homeowners Insurance Policy doesn’t cover accidents caused by dogs, consider getting an umbrella policy. This coverage fills in any gaps left by your homeowners or renters insurance coverage. If you purchase one of these policies, speak with your local agent to confirm it covers accidents caused by dogs. Some policies specifically exclude them.

Umbrella Insurance Policies Provide Supplemental Coverage for Dog Bite Incidents

An umbrella insurance policy referred to as excess liability insurance. It provides coverage beyond what regular homeowners and renters policies offer. It offers additional security for pet parents whose dogs may cause injuries to other people, property or animals. Premiums for umbrella insurance are generally less expensive than homeowners and renters' policies. Some insurers require that policyholders get an umbrella policy with a base coverage of $250,000 to $300,000.

Renters Insurance Policies Cover Some Dog Bite Incidents

Renters insurance is a policy that protects your personal property if it’s damaged or stolen in a rental property. Your landlord typically isn’t responsible if you suffer damages unless they broke the landlord-tenant law. Renters' insurance not only covers the cost of replacing items; it can also provide coverage for people hurt on your property. For instance, if your dog bites someone else, your policy could pay for their medical expenses. Read the fine print before you purchase one of these policies. Some renters insurance policies exclude the coverage for incidents with pets, especially if they classify the breed as aggressive or dangerous. In these cases, you’ll need an umbrella policy. If you can’t find a suitable Homeowners Insurance or Umbrella coverage, you can opt for a canine liability policy. You can also consider getting a canine liability policy that covers accidents caused by dogs. Your apartment complex may require you to carry canine liability insurance if your renters' insurance doesn’t cover dog bites or related accidents.

When Should You Purchase a Dog Liability Policy?

Most Homeowners and Renters Insurance companies don’t consider circumstances when it comes to dogs with a history of aggression. Some insurance companies won’t insure breeds they believe have a greater chance of being aggressive. Even if you believe your pet is sweet and gentle, an insurance company still won’t cover them if they belong to a dangerous breed.

If you can’t get your homeowners’ or renters’ insurance to cover your four-legged friend, you may need to buy a canine liability policy. Purchase these policies before your pet has bitten or nipped at anyone. Your pup could also be labeled as “aggressive” if it has gotten rambunctious and accidentally knocked over someone when greeting them.

Take time to read your insurance terms and what it provides. Some policies only offer coverage when your dog is on your property. It won’t insure your pet if you’re walking around your community or playing fetch in a dog park. Take time to learn if your insurance provides enough coverage for incidents outside your property so you won’t get a surprise bill if your pet hurts someone.

How Much Does Canine Liability Insurance Cost?

Several insurance companies offer canine liability insurance coverage. Most policies start at $75 a year, and others cost as much as $1,000. It depends on the type of dog breed you own and its behavioral history. Other companies offer breed-specific policies for pups. Some insurance companies will offer discounts if you can provide documentation that your pet doesn't have a history of aggression. For instance, you can show that your pet underwent obedience or specialized training. Your insurer may lower your rates when your pet takes these courses. Speak to your insurance company to find out what types of discounts they offer.

How to Prevent Dog Bites

There are a few preventative measures that you can take as an owner to lower your dog’s chances of biting another person. Here are nine tips that can help reduce aggression.

Have your pet spayed or neutered – According to the Humane Society, a dog is less likely to bite or show aggression if they are spayed or neutered.

Socialize your puppy early – Take time to introduce your pet to other dogs, animals and people as early as possible. If you socialize your dog as a puppy, they will be more relaxed around others as an adult dog. When you’re socializing your pet, see if they show any signs of anxiety or fear. These are signs they can exhibit aggressive behavior later on.

Hire a dog trainer – A professional dog trainer may be able to help your dog adjust to different situations that may trigger aggressive behavior.

Learn what triggers your pet’s stress and anxiety and help them avoid it – As a pet parent, you should learn which scenarios make your fur baby feel uneasy. Know your pet’s limits. If your dog growls at children, keep them away from them. If they lunge at other animals, make sure to separate your pet from them until they are calm.

Walk your dog daily – Most pets need daily exercise. It provides dogs with healthy mental stimulation and helps them to release any excess stress, anxiety, and tension.

Keep up your pet’s annual checkups – Dogs who are in pain are more likely to bite. Make a veterinarian gives your pet a good physical to check for any physical problems. Dogs who are sick or suffering are more likely to bite others.

Don’t allow others to immediately pet your dog – If someone asks to touch your dog, tell them to wait. See if your pet is comfortable with the person, before allowing them to pet it.

Never leave young children and dogs unattended – The AKC says that pet owners should not assume that a dog is safe and will never bite. It’s important to continue watching your pet because its behavior can change.

Teach your visitors to have proper manners around your pet - Don’t allow strangers, relatives, or guests to meet your pet without teaching them how to interact with them. Teach them how to greet your pet without irritating them. Your guests shouldn’t engage in roughhouse with your pet if they get easily agitated.

Handling Dog Bite Emergencies

Has your pet bitten someone? Follow these five steps you can quickly take to handle this emergency. Control your pet, and separate them from the victim.

  1. Get medical help for the bite victim if their injuries warrant it.
  2. Exchange contact information with the person.
  3. Decide which person will contact the police and animal control.
  4. Provide the victim with proof of your pet’s rabies vaccinations.

Follow the legal protocols that law enforcement agencies require, including quarantining your pet or seeking a dog behaviorist. Do you need liability coverage to protect your family and finances in case your beloved pup accidentally bites someone? SmartFinancial can help you find the right home or renters insurance that will cover dog bites.

Our transparent insurance technology makes it easy for dog owners to find affordable canine homeowners or canine liability coverage for your four-legged friend. We take the guesswork out of finding insurance policies. You'll only need to finish our quick application, and we'll provide you with great quotes from local insurance companies within your area. You'll have the choice of buying your policies online or by phone. Buy insurance the quick, easy, and intelligent way through SmartFinancial.

Get a Free Home Insurance Quote Online Now.

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