Dog bites can be serious business. Even a relatively minor bite can cause severe physical damage if it happens on someone’s face or hand. Also, the risk of infection from bacteria in a dog’s mouth is very high.
Here’s an unfortunate fact that everybody should realize: You’re far more likely to be bitten by a dog you know than a stray.
What the statistics say about dog bites
Statistically, 61% of dog bites happen on the animal’s “home turf,” i.e., inside their owner’s home or yard. Plus, 77% of dog bite victims are the family members or friends of the dog’s owner.
In other words: If you’re ever injured by a dog bite, you may be placed in the distinctly uncomfortable position of having to ask a friend or relative to step up and cover your losses.
Even a quick trip to the emergency room for stitches and an antibiotic can be very costly, and a serious dog bite could leave you in need of hospitalization and plastic surgery — which costs even more. Plus, you may also end up missing work during your recovery period, and that will compound your financial losses.
Who really pays when you make a dog bite claim?
Frankly, unless your friend or relative has a lot of cash in their bank account, they probably cannot afford to pay your expenses out-of-pocket. Likewise, you can’t afford to pay the medical bills and cover your losses, either.
However, these are the kinds of situations that homeowners and renters insurance policies were designed to cover. If your friend or relative has either, then you can pursue a claim for your losses without affecting their financial stability.
We know that it’s uncomfortable to think about filing a dog bite claim against someone you know. Please continue reviewing our website to learn more about your options, or reach out to us directly to learn more.