Dog Bite Law

If you own a dog and do not have insurance, you are placing yourself in a situation cause serious financial problems because of Dog Bite Laws that are being more and more enforced every day. Imagine the case of a normal person that has a normal job and a dog that happens to disfigure someone’s face for example, the dog owner could be prosecuted for around $500,000 in damages and, most likely, the dog owner would then have to declare bankruptcy. This is why it is so important to and recommended for dog owners to get homeowner’s or renter’s insurance. However getting this is not the easiest thing in the world. In many cases it depends on the type of dog you have and the breed. Not all insurance companies cover every breed of dog. Pit bulls, Rottweilers, German shepherds, huskies, Alaskan malamutes, Doberman pinschers, chow chows, Great Danes, Saint Bernards and Akitas are considered some of the most unsafe breeds. Statistics have shown that dogs from each of these breeds have killed as a minimum four people in the last 20 years. Insurance companies have the same opinion that the bigger and stronger dogs are the ones that cause the most severe injuries. If your dog ends up costing the company money, there’s a good chance your insurance company will let you go. Approximately 70 percent of insurance companies pronounce they wouldn’t renovate polices for those owners. Obviously this largely depends on how serious the injury was and if the owner has taken the necessary steps to alleviate the situation. Still due to Dog Bite Laws, as a responsible dog owner you will definitely need to look into it to just in case.

 

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