Dog owners: protect yourself from an expensive dog bite claim


Do you have a dog? If so, you want to be sure that your dog is trained, that you comply with any state or local restraint laws, and that you are adequately covered by your insurance. Although the number of dog bite claims is trending down, the cost for those claims is trending up – the average dog bite claim is now $37,214. That’s the national average so depending on where you live, the cost might be higher: Arizona was $56,654, California is $44,983 and New York is $44,320. Ouch.

May 15 through 21 is dog Bite Prevention Week. Learn how to prevent dog bites and how to keep dogs from taking a bite out of your insurance.

The Insurance Information Institute has some great information on Dog Bite Liability:

There are three kinds of law that impose liability on owners:

1) A dog-bite statute: where the dog owner is automatically liable for any injury or property damage the dog causes without provocation.
2) The one-bite rule: where the dog owner is responsible for an injury caused by a dog if the owner knew the dog was likely to cause that type of injury—in this case, the victim must prove the owner knew the dog was dangerous.
3) Negligence laws: where the dog owner is liable if the injury occurred because the dog owner was unreasonably careless (negligent) in controlling the dog.

Also, see our prior post about 10 dog breeds that might cause problems with your home insurance

Some insurance companies will limit homeowners insurance availability based on dog breed or dog history. PropertyCasualty360 has an article on the 10 dog breeds most often blacklisted by home insurance carriers.

Many insurance companies don’t have a blanket breed ban. The MSPCA cites several national insurers that will instead “… work on a case by case basis, considering the individual dog’s behavior and history, and may require a meet and greet with the dog and/or a Canine Good Citizen certification.”

And here’s a good infographic from the American Veterinary Medical Association:

dog bite infographic