Does Insurance Cover a Dog Attack? What Kind of Insurance?

One minute, you’re enjoying a nice day at the park, or your friend has invited you over, and everything seems fine. The next, a dog has bitten you, and you need medical care. Unfortunately, that can get expensive fast.

Dog bites can be traumatic and painful, so you’ll need to act to handle the situation. But, what insurance coverage can help you through this difficult time? You don’t want to pay out of pocket for an unprovoked dog attack, and you shouldn’t have to. If you’ve been attacked by a dog, seek out help to get your compensation for a dog attack.

Types of Insurance for Dog Attacks

The good news is that you may be covered after a dog attack. If the dog owner has homeowners or renters insurance, you should be able to file a claim for the injury and receive a settlement for the suffering you’ve been put through.

Dog attacks should be covered under premises liability. This type of liability covers injuries that happen on another person’s property. For example, if you were exposed to electrical wiring on someone else’s property and you were injured because of it, their insurance would also cover those damages.

Don’t Hesitate to Get Help

You’ll likely need that compensation for your injuries, so don’t wait to file your claim and get help. Your medical care can be pricey, so speak to the insurance company or an attorney soon.

Dog bites are more serious than they might look at first, even if the dog was small. Dog teeth are especially long, which means deep puncture wounds. These are difficult to clean, raising your chances of an infection.

Worse, if the dog hasn’t received its regular shots or has been bitten by a wild animal itself, you’ll need to be tested and treated for rabies. While many people think of rabies as a disease that makes animals foam and act strangely, the illness is deadly, causing slow paralysis and comas in many cases. If you’ve been bitten, focus on getting the full medical treatment you need.

Get the Settlement You Need

Sadly, that treatment can be expensive, and that doesn’t include the mental trauma and intangible suffering you’ve experienced because of the dog bite. So, before you accept the settlement offer from the insurance company, be sure that you get the full coverage you need for your injuries.

For a serious dog bite, you could experience any of the following damages, so speak to a lawyer to ensure you’re getting the settlement you’re owed:

  • Current and future medical expenses
  • Pain and suffering
  • Lost wages
  • Disfigurement

Insurance and Your Dog Bite Compensation

Dog bites are no laughing matter. If you’ve been attacked by a dog, you’ll need medical care to prevent further damage, and you deserve to be compensated for the damages you didn’t cause. If the dog attacked you without provocation, the owner should be liable.

Fortunately, their insurance should cover your injuries. Dog bites are often included in homeowners and renters insurance, which means you’ll need to file a claim with them to get the settlement you deserve. For many people, this will be all you’ll need to get the claim you deserve.

However, the insurance company may not be so keen to help. Certain dog breeds, like Dobermans and Rottweilers, may not be covered by some insurance companies, or they may try to lowball your settlement.

If you’re struggling to get the compensation you need, reach out to a lawyer for help getting your compensation. They can review your claim and help you get compensation after a dog attack, when your bills are getting expensive.