For dog owners, dog bite risks and costs are typically covered by a homeowners insurance or renters insurance policy. This protects the dog owners and dog bite victims from severe financial loss. However, not all policies cover dog bite inusurance, and not all policies offer full compensation for dog bite victims. If the insurance plan fails to adequately cover dog bite injuries, there are several solutions for dog owners and dog bite victims to consider.
Prior to being bitten by a dog, many people do not consider what happens if medical bills are expensive and insurance coverage is needed. The good news is: most homeowners and renters insurance plans cover dog bite cases. But what if the dog owner is uninsured or the insurance plan doesn’t cover dog bite injuries?
After a Dog Bite
Dog bites are typically unforeseen, sudden accidents that cause serious injuries to the victim. Your first steps are critical, but they can be confusing. It is important to seek medical care immediately. You can file a police report after seeing a doctor or tending to the wound personally. If it is an emergency, always call 911.
Dog Bite Injuries and Coverage
After a dog bite, one of your first questions to the dog’s owner should involve compensation. Does the dog owner have homeowners insurance or renters insurance? If so, does the dog owner know if the insurance policy covers dog bite accidents?
Most of the time, a dog owner’s standard insurance policies cover dog bite injuries. This includes homeowners insurance or renters insurance. Covering dog bite injuries through insurance can be tricky. Some insurance policies fail to cover dog bite injuries, while other policies enforce inadequate limits upon the dog bite victim’s claims. The dog owner should know his or her insurance policy in full detail.
Common Dog Bite Insurance Options
If the dog owner is uninsured, or underinsured, there are 3 basic solutions to choose from:
- Umbrella coverage. An umbrella insurance policy is a type of insurance that a dog owner may purchase to cover damages, losses, and injuries that may not be covered by typical insurance. This is separate homeowners or renters insurance. Umbrella policies do cover dog bite injuries.
- Excess coverage. An excess insurance policy will allow for higher insurance claims to be filed. This is an important addition when the dog owner’s current policy provides insufficient assistance for dog bite injuries.
- Canine liability policies. These insurance policies are available in rare cases where a dog owner may not be able to purchase standard insurance, such as homeowners insurance or renters insurance. Canine liability policies cover damages, losses, and injuries caused by the owner’s dog.
The most common solution to cover dog bite injuries, and other canine damages, is to purchase an umbrella policy in addition to homeowners or renters insurance. An umbrella policy will insure the dog owner two-fold: by supplying excess coverage for large claims and protecting against other issues that the underlying policy did not cover. If all else fails, a dog bite victim may also seek compensation through acquisition of investments and properties from the dog owner.
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