Who Pays For A Dog Or Animal Bite In The USA?
If you’re injured by a dog or any other animal bite in The USA then although the dog owner is responsible for the injury caused to you but the dog owner does not pay you for the injuries caused.
Then Who Does?
It’s mostly the dog or animal owner’s insurance company that covers the expenses legally of a dog attack or any other animal attack when a legal claim is made by the person injured.
How Does A Person Get Paid For Their Personal Injuries Resulting From A Dog Bite or Any Animal Attack?
It’s the dog owner’s homeowners insurance policy and the type of home insurance policy that decides the dog bite claim. The type of insurance triggered depends on where the dog bite incident has occurred.
In most cases, the dog owner’s homeowners insurance policy covers the liability of a dog attack or any other animal attack.
The average amount of liability coverage in case of a dog bite ranges between $100,000-$300,000. it is to be noted that only the first-time dog bite is usually covered by the insurance companies.
Another point to be taken into concentration is that certain insurance policies refuse to cover dog attack claims for certain breeds like Rottweilers and Pit Bulls.
Factors That Decide And Affect The Dog Bite Coverage-
Although the dog owner’s homeowners insurance policy covers your legal claim for a dog bite. However, different kinds of clauses in the homeowners insurance policy are also additional factors that decide the amount of the claim you may get for the injury.
For example– Homeowners insurance policies reduce the coverage of the claim if the dog attack had occurred far way from home.
Some policies for example exclude injuries connected to vehicles. What does this mean?
If you are bitten by a dog in a local park where the dog owner was walking the dog in the park, then the home insurance policy will pay for such an attack. Yet if you’re bitten by the same dog. Through the window of a car, then such an attack wouldn’t be covered by the insurance policies.
Dog Bites And Car Insurance In The US-
Who pays for the legal claim If the homeowners insurance policy does not cover the dog bite that occurred in a car?
Even when a dog owner’s homeowners insurance policy does not cover the dog bite that occurred in a car the dog owner’s automobile insurance policy will cover such a claim.