Some dogs are naturally anxious due to their upbringing or breed. Others may usually be calm but may respond poorly to the presence of young children or men with deep voices. When dogs bite humans, major losses may result.
Dog bite attacks can cause significant injuries and also property damage expenses. The people involved in a dog bite attack may wonder what rights they have. Strict liability rules theoretically make owners responsible for the conduct of their animals. Does that mean that people have to worry about their family members or neighbors paying directly for the cost of a dog bite incident?
Insurance usually applies
The good news for those involved in a dog bite incident is that most dog owners have insurance coverage to help cover costs. Homeowners and renters insurance provides premises liability coverage, which typically applies to any injuries that outside parties incur while visiting the property.
Provided that the dog’s owner has coverage and that the insurance company was aware of the animal’s presence at the property, premises liability coverage can defray the expenses generated. Homeowners insurance may not immediately settle with the injured party, which means that litigation may be necessary.
However, filing a personal injury lawsuit on the basis of premises liability after a dog bite attack does not mean that the compensation process bypasses the insurance company. Insurance may still cover the amount awarded in the lawsuit. The company may also sit down to negotiate a settlement before the case actually goes to trial.
Exploring the circumstances of a dog bite incident with a skilled legal team can help injured people seek appropriate compensation given the harm that an animal caused. In many cases, an animal’s owner does not pay directly.