An article on MSN and a recent commercial from Farmers Insurance have brought to light the fact that over 1/3 of all homeowner insurance claims are related to dog bites. The average payout of this large number of claims is $30,000. This amount is not a surprise since victims of dog bites often suffer serious injuries including scarring. Even more frightening is the fact that a large percentage of dog bite victims are children.
Victims of dog bites are entitled to compensation for their personal injuries including medical bills, lost wages (if applicable) and pain and suffering. Damages for pain and suffering, especially if there is a scar can be substantial. Fortunately, as this article points out, most dog bites are covered by homeowners insurance in Rhode Island and Massachusetts. Owners of dogs, especially breeds that are known to be dangerous, are responsible for controlling their pets and are, in most cases, liable for damages when their pet attacks someone.
If you are a pet owner, you should take steps to make sure that you have insurance to cover losses if they should bite someone. No matter how well behaved your family pet may be, animals may make mistakes and bite someone. In fact, a lot of attacks on children occur from the family pet. Do not take the risk of being responsible for huge damages. Make sure that your homeowners or renters insurance will cover your pet. If you own one of the ten breeds in this recent MSN article, you may find that you have to pay slightly more for insurance.