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

Ten dog breeds that might cause problems with your home insurance


angry dog with bared teethPeople love their pets so discussions of dangerous dogs can be a controversial topic — but when it comes to insurance, it’s a costly issue. In 2014, dog bites and other dog-related injuries accounted for more than one-third of all homeowners insurance liability claim dollars paid out – a total of more than $530 million, according to the Insurance Information Institute. The number of dog bite claims are going down – they dropped by 4.7% in 2014 – but the average cost per dog bite claim is climbing. In 2014, it was up 15 percent to $32,072 – compared with $27,862 in 2013.

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. They say:

“The breed of dog you own could make it more difficult to secure Homeowners insurance. Insurers are hesitant in offering coverage to homeowners who own breeds and mixes that insurers believe are more likely to bite and cause injuries. According to DogsBite.org, more than 700 cities in the U.S. have adopted breed-specific laws since the mid-1980s, following the rise in popularity of pit bulls in the general population.”

Is it legal for an insurance company to deny coverage or otherwise discriminate based on dog breed? Yes, and the MSPCA explains why:

“The law does not prohibit insurance companies from discrimination based on breed. While breed-specific city and town ordinances have been challenged on constitutional grounds, such as due process and equal protection, insurance companies–because they are not part of the government–are not subject to these constitutional restrictions.”

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.”

If you have a dog or are thinking of getting a dog, talk to your insurance agent about the insurance considerations.

Here are some other dogs & insurance resources that might be helpful

 

Don’t let dogs take a bite out of your insurance


dog-bitesMay 17-23 is Dog Bite Prevention Week. The USPS and its partners in the annual promotion report that “… small children, the elderly, and Postal Service carriers — in that order — are the most frequent victims of dog bites. It is also stated that the number of dog bites exceeds the reported instances of measles, whooping cough and mumps, combined. Dog bite victims account for up to five percent of emergency room visits.”

The good news is that the number of dog bite claims are going down – they dropped by 4.7% in 2014. But the bad news is that the average cost per dog bite claim is climbing. In 2014, it was up 15 percent to $32,072 – compared with $27,862 in 2013. Pretty expensive, right?

But that is only part of the story: Insurance Information Institute reports that dog bites accounted for more than one-third of all homeowners liability pay outs last year. Ouch.

If you have a dog, it’s your responsibility to train, control and socialize your pet to minimize the potential for dog bites. It’s also just plain smart from an economic point of view, as you can see by claim costs. And whether you have a dog or not, it’s important to lean about how to prevent bites, how to train kids to be safe around dogs, and what to do if you are bitten. Here are some resources:

Next week: Dog Bite Prevention Week


May 19-25 is Dog Bite Prevention Week – the infographic below includes some interesting dog bite facts. The Postal Service commemorates the event with its annual ranking of top cities for dog attacks – they learned the hard way, racking up 5,581 postal employees attacks — just a small portion of the 4.5 million people in the U.S. bitten last year.

The Insurance Information Institute tells us that the average cost of a dog bite claim in 2013 was a whopping $27,862. They offer a list of the 10 states with the highest number and cost of dog bite claims. To learn more about the insurance implications of dog ownership, see our prior post Insurance and Your Dog

National Dog Bite Prevention Week 2013, May 19-25
Dog Bites by the Numbers

Coming Up: National Dog Bite Prevention Week


Next week is National Dog Bite Prevention Week. If you own a dog, you need to pay attention because dog bites accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2012, costing more than $489 million. While the number of bites has declined, the cost of claims continues to rise – the average cost paid out for dog bite claims was $29,752. For more on the ins and outs of insurance issues related to dog ownership, see our prior post, Insurance and Your Dog.
Postal workers – a group of folks who are particularly at risk of dog bites – issued their annual list of top dog attack city rankings, along with their tips for preventing dog bites … and they certainly have experience in that area. If you haven’t yet seen it, visit former mail carrier Ryan Bradford’s posting, All the Dogs Want to Kill Me, where he logged snapshots of dogs lurking on his postal route a few years ago. It’s pretty amusing, unless you are the postal worker or the gas meter reader who has to face the pets down. Here’s a few clips that demonstrate just how territorial and aggressive even seemingly sweet dogs can be over mail deliveries.


In addition to mail carriers, kids are also very vulnerable when it comes to dog bites. Here are some good sites for teaching your kids how to be safe.
Teaching kids how to have safe encounters with dogs
Prevent the Bite – preventing dog bites to children through education
Learn to Speak Dog and Teach Your Kids
Dog Bite Prevention – from the CDC