Pet Insurance If My Dog Bites Someone

Although you did your best to let the child know she shouldn’t pet the dog, we (as pet owners) are still responsible for our dog’s actions. Fortunately, it sounds like there won’t be any legal consequences for this instance, but there is no guarantee next time, which is why it’s important that you try to prevent this from happening again so your sweet dog can be with you forever.. Dog bites are by far the most common liability claim on homeowners insurance policies, amounting to more than a third of all such claims, according to the Insurance Information Institute.. Insurance companies do whatever they can to minimize their losses, so they may exclude all dogs, certain breeds, or any dog that has already bitten someone. Homeowner's or Renter’s Insurance. Dog owners and dog-bite victims will both be glad to know that homeowner's or renter's insurance usually covers damage from dog bites.. If your dog bites someone and you notify your insurance agent right away, he can advise you of any policy-related time limitations. If the bite turns out to be very minor, (for example, costs less than your deductible) you can decide to pay money “out-of-pocket” and skip the insurance paperwork (with the possible subsequent increase in your premium).. Lots of people buy dogs or puppies without thinking it through and fail to adequately manage and train their dogs. In 2001, in Australia over 350,000 people were bitten severely enough to require a visit to the emergency room with owners and caretakers accounting for most of the bites and claims (77%) and 50% of bites taking place in the home or yard.. 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..

If your dog later bites someone and there's a disability claim, your insurer could deny the claim if you didn't report your dog. What is covered under homeowners insurance? Though your homeowners insurance will provide liability coverage in the event your pet damages another person's property or bites someone, it generally doesn't cover damage to your own property or to an occupant of your home..

Dig into pet-related policy details even if your dog wouldn't hurt a flea. Bite claims may be the headliner, but they are just one kind of incident in a broader category.. Pet insurance can cover liability if your dog bites someone if the policy includes Third Party Liability. Most, but not all, accident and illness plans include 3rd party cover. Check the exclusions as cover might be restricted for some breeds and if your dog has a history of aggression.. Plus, once your dog has bitten someone in the past, the insurer may up your insurance premium, exclude the dog in your coverage, or not offer a renewal. However, the insurer may cover a pet if you agree to take your dog to behavior modification classes, or if you agree to restrain the dog in some fashion..