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Homeowners liability insurance: A necessity for dog owners

liability insurance
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Dogs are a major part of family life. Often regarded as family, but as much as we love our canine counterparts, we must accept that the possibility of them biting a guest is a very real concern. Very well-mannered dogs may get spooked and attack. Some breeds are even known to develop visual or olfactory impairment with age which may make it difficult for them to recognize people.

The bottom line is that if you own a dog, you should be aware of the law pertaining to dog bites and what you should do to be prepared. Recently there has been plenty of news coverage following several dog attacks on children. That begs the question, what should I do if I am the victim of a dog attack?

Injuries can be quite severe depending on the type of dog, requiring anywhere from a few stitches to reconstructive surgery. The victim may collect for the cost of treatment of the injuries received by the dog, any injuries sustained while attempting to escape, emotional and/or psychological damage.  Regardless of whether the injured person has medical insurance coverage or not, the homeowner is liable for all damages.

Generally, homeowners insurance will cover dog attacks, providing liability coverage of $100,000 to $300,000. However, there are typical exclusions. One is based on breed, many insurance policies will not cover attacks from dogs that are known to have more aggressive tendencies, including Rottweilers or Pit Bulls. Additionally, they will take other circumstances into account, such as whether the dog has bitten anyone in the past or if the victim was aggravating the dog.

If you’re a dog attack victim, know that you have the right to file a claim against the homeowner’s insurance policy. Our Miami personal injury attorneys at Graham Legal can help you attain the maximum compensation reasonably possible.

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