Here in California, more people are sued over dog bites than in any other state, and by a large margin. If you're a dog owner in the Sunshine state, it is unwise to not know the laws surrounding dog bites and the terms of your insurance policy that may cover damages from a bite.
It can happen in the blink of an eye. One second you're on your way to work; the next, you're sent lurching forward, the sound of crushing metal in your ears.
Insurance companies make decisions that impact many people in a variety of ways. For instance, if an insurance company raises rates, policy owners will feel the effect of the price increase. Now, Californians who are insured through Farmers Group will not be able to insure several breeds of dogs through their homeowners' insurance policy.
According to the Insurance Information Institute, a national insurance industry group, about one-third of all homeowner's liability insurance claims are made in connection with dog bite injuries. Although this percentage has remained constant for about the last decade, however, the average cost per dog bite claim has increased by about 25 percent in the same time period, topping out at $29,000 in 2011.
Often, a dog bite injury involves a long-time family pet and occurs, unexpectedly, in the most normal of circumstances. This is one of those stories. Recently, a mother asked her teenage son to help clean the family dog after he came inside with mud on his paws. The 14-year-old boy attempted to do so, but the dog became spooked when his paws were grabbed. This led to a dog bite close to the boy's left ear. The resulting wound was very deep and the boy appeared to be losing a lot of blood.