Insurance For a Dog Bite Injury

Answer:

When it comes to dog bite and dog attack injuries, a question that often comes up is, “Will insurance even cover this? The fact that somebody owned a dog and their dog attacked me, is there even insurance out there to cover my injuries or cover the harm that was done?” The answer to that here in Mississippi and pretty much in most states, is, yes, probably so. Most dog bite and dog attack claims are brought under coverage of that dog owner’s home liability policy. They have homeowner’s insurance or, in some cases, if they’re not a homeowner, renter’s insurance that includes some liability coverage. Typically, those policies are going to cover any claims arising from injuries on that property and, by extension, animals or dogs that are on that property that are part of the owner’s property. These cases, because of that, in the insurance aspects, among other things, really are kind of unique cases. If you’re involved in a dog bite or a dog attack case, sorting through the insurance coverage and getting the coverage on the case is just one of many aspects on which you really need an attorney involved who has worked on these types of cases before. You not only have unique challenges with the damages that arise in these cases and in proving liability on the owner of the dog, but also with the insurance coverage. The only way to ultimately answer that question and get to the bottom of what insurance coverage is available is digging into the facts and details of the case. You have to get into what type of policy that dog owner has, what exclusions or restrictions are involved, and the particular facts of the case. A lot of times certain homeowner’s policies or property liability policies actually address certain types of dogs or breeds of dogs that the property owner has. Sometimes they even charge the property owner a higher premium because they own certain types of dogs, because the insurance companies know that there’s a higher risk of some form or dog bite or dog attack happening, so they actually charge more under the policy. In other instances, there may be specific exclusions from the policy, where it’s not covered or where they pay for additional coverage so that it is covered. That’s why you’ve really got to have an attorney involved to sift through all these different issues in a dog bite or dog attack case. The short answer to the question is, yes, most of the time there is insurance coverage available to cover a dog bite or a dog attack; you just need an attorney who knows where to go look and find it. At the Brad Morris Law Firm, PLLC, we have had significant experience and some good success helping clients who were victims of dog bites or dog attacks get justice and compensation for their injuries. If you or a family member have been the victim of such an attack, we’re here and available. Contact ustoday through our website or by calling the law firm, so that we can get you on the right path, get your questions answered and get you compensation for your injury.