07 Oct Dog Breeds Affect Homeowner Insurance
Different Breeds of Dog Affect Homeowner Insurance
Dog bites and dog-related injuries accounted for more than one-third of all homeowners insurance liability claim dollars paid in 2015. In total the claims cost more than $570 million, according to the Insurance Information Institute (I.I.I.) and State Farm®
Homeowner’s insurance does shield policy holders against lawsuits arising from injuries or damages, even those related to pets. However, because of the increasing number of lawsuits, such as dog bites and other dog-related incidents — many insurance companies refuse to write coverage for homeowners who also own certain breeds of dogs.
Some homeowners or renters insurance excludes specific breeds of dog. If your pet is among them, you can buy a stand-alone animal liability policy that covers injuries your pet may cause other people. If your homeowners or renters policy includes your dog, but you want more coverage, you could buy an umbrella liability policy, which kicks in after you reach the limits on your home insurance policy.
In the face of mounting dog-inflicted injuries, 31 states have statewide laws identifying “vicious” or “dangerous” dogs. States with dangerous dog laws include Louisiana. Their intention is to give fair warning to dangerous dog owners to monitor, leash, fence, and otherwise take all reasonable measures, such as training, to keep their dogs from harming others.
No one can prevent accidents or unintended injuries. However, there are many precautions that dog owners can take to prevent bites or other incidents. Being a responsible dog owner can not only save you money on homeowner’s insurance, but it will make life easier for both you and your pet!
Dog Bite Claims
Unfortunately not every dog owner acts in a safe and responsible manner and as a result, people can be injured. Most breeds of dogs make great family pets. Whether it is a poodle or a pit bull, any breed of dog can bite or cause injury.
Most dog-attack personal injury claims are under homeowners insurance policies. To succeed in a personal injury claim in Louisiana, the dog-attack victim must prove the dog owner was negligent. If your injuries are serious, broken bones, deep gashes requiring stitches, scarring, etc., you need the advice and counsel of an experienced New Iberia attorney, L. Clayton Burgess. There’s just too much at stake in serious injury claims to “go it alone.”
It is important to contact an experienced personal injury lawyer in Louisiana as soon as possible if you have been attacked by a dog while lawfully on private or public property. Our New Iberia personal injury attorneys have experience dealing with dog bite claims. We will listen to the facts of your situation. We can help you recover any damages you are entitled for your injuries sustained due to a dog attack.
Contact the Law Office of L. Clayton Burgess today, toll free: (877) 234-7573, for a FREE initial consultation about your dog bite injuries.