Many dog bite incidents occur on private property. They might happen when someone goes to visit a family member or friend or when a child opens the wrong door at a babysitter’s house. If they happen at someone’s place of residence, these dog bites could fall under the umbrella protection of homeowner’s insurance or renter’s insurance.
As long as the person who owns the dog has a good policy, you might feel confident that you have protection to cover your medical costs and other losses when a dog bites you or a member of the family. Unfortunately, even if they have insurance, it’s possible that the company won’t cover the dog bite.
Insurance companies restrict coverage on certain breeds
While any dog can suddenly bite with minimal provocation, some breeds have a statistical association with serious injuries and frequent attacks. Insurance companies often refer to these breeds of dogs as dangerous or restricted breeds.
Common restricted breeds include:
- Wolf hybrids
- Pit Bulls and their hybrids
- Rottweilers and their hybrids
- Great Danes
- Alaskan Malamutes
- Doberman Pinschers
- Siberian Huskies
Owners must pay extra for insurance coverage if they have dogs in breeds restricted by their carrier. If they fail to do so, they won’t have any protection if their dog bites a visitor to their house.
What can you do when there isn’t insurance?
If there isn’t a policy that can cover your medical costs, property damage (like ruined clothing or broken phones) and lost wages due to your injuries, you may need to take legal action against the animal’s owner to recover the losses.