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Insurance: Overview - Dog Bite Law

Details: The insurance company will end up paying for all those costs, but the payment will be under the liability provision of the insurance policy. That is a different coverage with much higher limits. A common mistake: sending medical bills directly to the dog owner's insurance company

› Verified 5 days ago

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Insurance for the Dog Owner

Details: It is absolutely essential for every dog owner to have homeowners insurance or renters insurance, and that the insurance policy does not exclude accidents caused by the dog. Dog owners must review their homeowner and insurance policies to make sure that they have protection against canine-inflicted injuries -- and should not purchase insurance

› Verified 6 days ago

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Insurance Claim - Dog Bite Law

Details: Insurance companies from time to time go out of business, which effectively destroys the victim's change to recover damages. A knowledgeable attorney can turn a net insurance recovery of, say, $45,000.00 into a net, tax-free settlement of $150,000.00 or more by structuring it properly, if the recovery is for a young child.

› Verified 19 days ago

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Overview - Insurance for Dog Owners

Details: Most insurance companies require minimum amounts of underlying coverage—typically at least $250,000 of protection from your auto policy and $300,000 of protection from your homeowners policy. If you own a boat, you must also have boat insurance with a specified minimum amount of coverage.

› Verified 6 days ago

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Insurance for the dog owner

Details: Overview. Without a doubt, dog owners need insurance that will protect them from injuries caused by their dogs. The trend to reduce the availability of canine liability insurance is the biggest issue facing dog owners -- far more important than the threat of breed bans.

› Verified 6 days ago

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Where to Get Dog Owner Liability Insurance

Details: A common condition is for the pet owner to provide a Certificate of Insurance showing $100,000 of liability coverage, the wording "DANGEROUS DOG," and Animal Control listed as an Additional Insured on the policy. Einhorn Insurance provides home, renter, condo and liability insurance regardless of your dog's breed.

› Verified 3 days ago

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What To Do When There Is No Insurance

Details: A lawsuit can reveal hidden insurance. It is common for dog owners to lie about their insurance until they are sued. When they are served, they will then "come clean" by giving the victim's attorney the insurance information, or turning the matter over to their insurance company for defense and indemnification. Lawsuits lead to settlements. Dog

› Verified 6 days ago

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How to Find out Whether the Liable Person Is Insured

Details: The insurance industry is getting away with selling insurance that excludes dog bite coverage or limits the coverage to a small amount of money. If this dog owner has that kind of insurance and doesn't have an umbrella or excess policy to supplement it, then he might not have insurance. (An umbrella policy might provide dog bite coverage even

› Verified 21 days ago

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adoption-organization-liability-for-dog-bites | dog-bite

Details: Obtain liability insurance that covers the premises where your organization carries out it activities, mistakes by members, agents and employees, and board of directors liability (see Avoiding liability for mistakes and decisions of the board, below.) The organization and its members should not be the owners of the dogs.

› Verified 7 days ago

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Does an Adult Need a Lawyer for a Dog Bite Claim?

Details: An insurance adjuster will offer a victim 10% to 20% of what he would offer if the victim had an attorney. The insurer itself will end up keeping the other 80% to 90%. Since a lawyer works on a contingency basis and takes only 33%, a victim who has an attorney therefore will receive 66% -- far more than the 10% to 20% that he could get for himself.

› Verified 3 days ago

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Finding the Insurance That Will Cover a Dog Attack

Details: The first step for finding insurance is send the dog owners and other liable parties a polite letter asking them for the name of their insurance company (homeowners insurance, renters insurance, canine liability insurance or other types such as daycare insurance or general liability insurance) and the policy number.

› Verified 6 days ago

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Dog Bite Law

Details: Welcome to Dogbitelaw.com, the most complete and trusted source of information anywhere about dogs and the law. We have over 1,100 pages of information written by America's most experienced dog bite lawyer, Attorney Kenneth M. Phillips, the only lawyer in the USA who has represented only dog bite victims since the 1990's.The press have called him -

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Homeowner, Renter and Other Insurance

Details: The different types of insurance for homeowners, condo owners and renters are explained at InvestorGuide.com, Different Types of Homeowner’s Insurance Policies (accessed 5/24/2013). The Insurance Information Institute has posted a sample homeowner policy (referred to as "HO3") that provides the text of the most popular homeowner insurance.

› Verified 19 days ago

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What to Do if You Cannot Insure Your Dog

Details: Third, if neither your regular insurance company nor another homeowners or renters insurance company will help you, but they do not cancel you, talk to an agent about getting a policy of umbrella insurance that covers what the underlying insurance won't cover. It is essential that the umbrella provides coverage for gaps in the underlying policy

› Verified 26 days ago

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Settlement - Dog Bite Law

Details: Insurance companies don't want to be sued by the minor when he or she becomes an adult. In most jurisdictions, there are procedures for getting the approval of a judge, which will bind the minor, the parents, the attorney for the minor, the defendant and the insurance company.

› Verified 3 days ago

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Insurance for Landlords - Dog Bite Law

Details: If the sharing will be for a greater duration, a policy of landlords insurance is a necessity. There are three types of landlords insurance. The type that will protect a landlord from dog bite liability is a DP-3 policy. The other policies do not provide personal liability protection for the landlord.

› Verified 1 months ago

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Getting Sued - Dog Bite Law

Details: The insurance company usually responds to a claim by making an offer of settlement that is a fraction of what the case is worth. That fraction ranges from 10% to 50%. After that, the lawyer for the claimant attempts to negotiate a reasonable settlement.

› Verified 4 days ago

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Wisconsin Dog Bite Law

Details: Armstrong v. Milwaukee Mutual Insurance Co. , 202 Wis.2d 258, 549 N.W.2d 723 (1996). Liability based on scienter and negligence. A dog owner or keeper can be held liable for canine-inflicted injuries that result from a known dangerous propensity of the dog, or other negligence on the part of the owner or keeper of the dog.

› Verified 4 days ago

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Landlord Liability for Dog Bites

Details: Require renter's insurance with proper terms and adequate coverage amounts. Establish reasonable guidelines for bringing new pets onto the premises. Make the tenant liable for damage by his pets and guests. Force the tenant to defend and indemnify against any lawsuits because of damage by his pets or his guests' pets.

› Verified 3 days ago

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Insurance Industry Is Attempting to Exclude Dog Bites from

Details: The Insurance Information Institute reports that about a third of all homeowner claims involve dog bites. Insurance companies are now pursuing a strategy to avoid paying these claims. The companies either refrain from selling insurance to households with dogs, refrain from selling insurance to people who have certain breeds of dogs, or exclude dog bites from coverage.

› Verified 5 days ago

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Insurance Industry Breed Bans - Dog Bite Law

Details: The insurance industry is clamping down on dog owners. Two tactics are being used: Banning sales of policies to owners of certain breeds. (To read more about excluding dog bites from coverage, see Insurance for the dog owner.); Excluding dog bites and other dog inflicted injuries from coverage (in other words, the dog owner is covered for other things, but not canine inflicted injuries).

› Verified 6 days ago

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Dog Parks and Liability for Dog Bites

Details: Dog parks are places where dogs can be off-leash, but liability for dog bites that occur there can be a little different than for those that happen elsewhere.

› Verified 3 days ago

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Washington (State) Dog Bite Law

Details: In Clemmons v. Fidler, 58 Wn. App. 32, 37, 791 P.2d 257, review denied, 115 Wn.2d 1019, 802 P.2d 125 (1990), it was held that a landlord's knowledge regarding the viciousness of a tenant's dog was immaterial to a finding of liability, adopting the common law rule that "only the owner, keeper, or harborer of the dog is liable for [harm caused by the dog]."

› Verified 3 days ago

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Liability for Bites by Tenants' Dogs

Details: When a renter's dog bites a person, the victim will consider making a claim against the renter's landlord if the renter does not have renter's insurance (or that insurance is insufficient). The claim must be based on common law principles because there are no statutes in the USA making landlords automatically liable for dog bites.

› Verified 4 days ago

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New Jersey Dog Bite Law

Details: In the example of the dog walker given above, if the dog walker had no insurance but the dog owner had full insurance, the victim who had $5000 in medical bills and $50,000 in pain and suffering could collect from the dog owner the sum of only $30,000 (i.e., $5000 because of the economic loss, for which any losing defendant is 100% responsible

› Verified 3 days ago

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Internal Revenue Code provisions - Dog Bite Law

Details: Liability insurance companies typically do not want long-term obligations on their books, and are not set up to make future payments of losses. There are legal restrictions as to how such companies are permitted to invest and make profits; they are not in the business of simply holding funds over many years for eventual payment to victims.

› Verified 6 days ago

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Solving the Insurance Crisis Facing Dog Owners

Details: In summary, insurance companies should be required to insure all dogs regardless of breed, and should be required to make canine liability insurance available. However, the premiums should be based upon the size, number and history of a person's dogs, as well as whether the dog is a "high-risk" dog.

› Verified 6 days ago

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Arizona Dog Bite Law

Details: A.R.S. § 24-378 permits a person injured by a dog while at large to recover simply by proving that the statute has been violated. If the elements of the statute are satisfied, the legislature has decided to impose liability without fault.

› Verified 4 days ago

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Who Is Covered Under an Insurance Policy

Details: Your insurance agent or broker might also be able to tell you the broad strokes of the policy, but his job is to sell it, not study it; the policy was written by an attorneys and requires the knowledge of an attorney to interpret it and apply it to any given situation. One of the standard forms was written by Insurance Services Office, Inc.

› Verified 25 days ago

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Insurance: Bad Faith Law

Details: Among other things, an insurance company is required to open a claim, investigate the claim, defend the customer, and if possible settle the claim for an amount up to the limits of the policy. The breach of any of these duties might give rise to a claim against the insurance company itself for "bad faith" breach of contract or negligence or both.

› Verified 6 days ago

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North Carolina Dog Bite Law

Details: The majority of other states follow the doctrine of comparative negligence, in which the amount of damages is reduced in proportion to the plaintiff's degree of fault. As a practical matter, the doctrine of contributory negligence favors insurance companies over dog bite victims.

› Verified 3 days ago

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Insurance for Veterinary Bills ('Pet Insurance')

Details: Insurance contracts always exclude one thing or another (for example, health insurance does not cover treatment to minimize the appearance of scars caused by a dog bite). The Consumer Reports survey reported that some of the most serious diseases your dog could get were commonly excluded too.

› Verified 1 months ago

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Homeowner Association Liability for Dog Bites

Details: A homeowner association may be liable for permitting dangerous dogs to remain on the common areas and private streets owned and controlled by the association.

› Verified 3 days ago

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Minnesota Dog Bite Law

Details: Minn. Statutes Annotated, Section 347.22: Damages, owner liable. If a dog, without provocation, attacks or injures any person who is acting peaceably in any place where the person may lawfully be, the owner of the dog is liable in damages to the person so attacked or injured to the full amount of the injury sustained.

› Verified 5 days ago

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Workers compensation - Dog Bite Law

Details: If an employer secures insurance for payment of workers' compensation benefits for a residential employee, the employee's exclusive remedy is workers' compensation and the employee does not have a cause of action for damages in a civil action. (Philip Travis v. Bruce Choder 5 WCAB Rptr. 10, 207)

› Verified 5 days ago

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Ohio Dog Bite Law

Details: Ohio Revised Codes, § 955.28 Dog may be killed for certain acts; owner liable for damages. (A) Subject to divisions (A)(2) and (3) of section 955.261 [955.26.1] of the Revised Code, a dog that is chasing or approaching in a menacing fashion or apparent attitude of attack, that attempts to bite or otherwise endanger, or that kills or injures a person or a dog that chases, injures, or kills

› Verified 2 days ago

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Report to Your Insurance Company - Dog Bite Law

Details: Every insurance policy has a "cooperation clause." It requires you (as the insured person) to make reports of incidents, and then cooperate fully with the insurance company. Obviously, give them the name, address and telephone number of every witness.

› Verified 21 days ago

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For Dog Bite Victims

Details: An insurance adjuster will offer a victim 10% to 20% of what he would offer an attorney, so the insurance company will get richer by keeping the other 80% to 90%. If the victim has a lawyer, the victim will receive 60% or more, because the attorney's fee will be 33-13% to 40%. The law is complicated.

› Verified 3 days ago

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Illinois Dog Bite Law

Details: p510 ILCS 5/16:Sec. 16.p. If a dog or other animal, without provocation, attacks, attempts to attack, or injures any person who is peaceably conducting himself or herself in any place where he or she may lawfully be, the owner of such dog or other animal is liable in civil damages to such person for the full amount of the injury proximately caused thereby.

› Verified 3 days ago

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Indiana Dog Bite Law

Details: A dog bite victim in Indiana can recover compensation under the doctrines of negligence, negligence per se, scienter, and intentional tort; additionally, there is compensation for police officers, firemen, mail carriers and others carrying out duties on behalf of the state or federal government.

› Verified 10 days ago

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South Carolina Dog Bite Law

Details: Common law liability based on "scienter" aka the one bite rule. The essential elements of the scienter cause of action are that (1) prior to the date of a dog bite incident, the dog had the unusually dangerous tendency to injure people by biting them, and (2) before the dog bite incident, the owner, harborer or keeper of the dog knew or should have known about the its tendency to injure people

› Verified 3 days ago

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Virginia Dog Bite Law

Details: Virginia is a "one bite" state as well as a "contributory negligence" state. Being negligent or breaking an animal control law will make a person liable for a dog bite, but someone partially responsible for causing the incident cannot recover any compensation.

› Verified 4 days ago

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Third Party Claims

Details: Liability insurance policies do not require any form of repayment by anyone; if the insurance company pays benefits under the policy, neither the defendant nor the victim have any obligation to repay the insurance company. Medical payments and property damage payments paid under the defendant's policy also do not require repayment. There are no

› Verified 2 months ago

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Repayment of Insurance - Dog Bite Law

Details: When a person buys insurance, the last thing that he or she expects is that the insurance company might be entitled to repayment under some circumstances.

› Verified 9 days ago

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Avoiding Structured Settlement Traps for the Unwary

Details: The insurance company funded its obligation with an annuity payable directly to the taxpayer. The insurance company, as owner of the annuity, had all rights to the annuity and the annuity was subject to the claims of the general creditors of the insurance company. The ruling concludes that all of the periodic payments are excluded from the

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Kentucky Dog Bite Law

Details: See also Kentucky Farm Bureau Mutual Insurance Co. v. Ryan, 177 S.W.3d 797 (Ky. 2005): "The thrust of the comparative negligence doctrine is to accomplish (1) the apportionment of fault between or among negligent parties whose negligence proximately causes any part of a loss or injury, and (2) the apportionment of the total damages resulting

› Verified 3 days ago

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Tips and Tricks for Dog Bite Lawyers

Details: The insurance adjuster and defense attorney will know about these things. Unless you learn them, you will start out behind and fall further behind as time goes on. The information you will learn from this fast-moving seminar will enable you to recognize the winning claims, devastate the defense, avoid insurance scams that are the plague of

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Michigan Dog Bite Law

Details: 287.351 Person bitten by dog; liability of owner. Sec. 1. (1) If a dog bites a person, without provocation while the person is on public property, or lawfully on private property, including the property of the owner of the dog, the owner of the dog shall be liable for any damages suffered by the person bitten, regardless of the former viciousness of the dog or the owner's knowledge of such

› Verified 3 days ago

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Liability Based on the Dog Bite Statute in California

Details: California is a statutory strict liability state. Its dog bite statute makes the owner of a dog strictly liable for any dog bite from the moment that ownership begins, provided that the victim was not trespassing, provoking the dog, injured by his employer's dog while on the job, or performing a paid service involving the dog.

› Verified 7 days ago

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Residential Lease Dog Clause

Details: Require renter's insurance with proper terms and adequate coverage amounts. Establish reasonable guidelines for bringing new pets onto the premises. Make the tenant liable for damage by his pets and guests. Force the tenant to defend and indemnify against any lawsuits because of damage by his pets or his guests' pets.

› Verified 10 days ago

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