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Dog Bites Can Cost You In Home Insurance

Dog bites can be serious; just ask a Boston personal injury lawyer.

Bloomberg reports that dog bites have cost U.S. home insurers about 6.4 percent more in 2009 than the previous year. The average dog bite claim is over $24,000 for the third year in a row. The injuries from dog bites cost around $412 million in 2009. In 2008, the cost was $387.2 million. The number of dog bite claims went up by 4.8 percent.

According to the Insurance Information Institute, dog bites comprise about a third of homeowners' insurance liability claims. The costs of dog bites have risen because of medical expenses to victims. Cindy Younkin, the city attorney for White Sulphur Springs, Montana, told Bloomberg: "Health-care costs have gone up. [I]nsurance provides some sort of coverage that would take care of the costs."

However, we are sure that there will be at least one Boston personal injury lawyer who will say that the opposite is happening when it comes to dog bite claims. With insurance companies excluding certain dog breeds and limiting their coverage, the claims are just not as high as insurance companies claim they are. Jeffrey Nadrich, a Los Angeles personal injury lawyer told Bloomberg, "We don't see more and more claims. Insurance companies are excluding certain breeds from coverage and have become more limiting in their coverage."

While there may be disagreements over the number of dog bite claims, it is still an important legal issue for homeowners. If you have a dog, it is wise to think about getting coverage for any potential dog bites. According to New York-based III, more than 50 percent of bites happen on the pet owner's property.

If you have been injured by a dog attack, it is important to know that you have legal rights and that you may be entitled to monetary compensation. Make sure you talk to a Boston personal injury lawyer about your options.

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