People opt for insurance coverage to cover for any unforeseen or unexpected losses. Losses involved may occur because of the involvement of a third party or at times without involvement of anybody, for instance something which happens naturally. When we talk about dog bite insurance and dog attack insurance, we may be talking about significant financial losses.
Insurance companies offer dog bite insurance covers. However to receive the claim from these insurance companies, one needs to first find out whether the dog owner had coverage, what are the exemptions stated under the coverage and finally determine if the coverage taken is sufficient enough to cover the losses. In such situations, taking the help and guidance of an experienced dog bite lawyer is very important.
Dog bite Insurance Coverage:
Insurance companies offer a number of dog bite insurance and dog attack insurance policies, most of these policies provide automatic coverage for dog bite attack injuries. The policy coverage amounts may vary, however most policies have coverage which is significant enough to cover the costs and expenses incurred by a dog bite attack, without the dog owner having to pay out-of-pocket for the damages caused. Some of the types of Insurance policies covering dog bites are Homeowners insurance, Renters insurance, Medical Payment coverage, Pet Sitters policies, commercial policies etc.
Sometimes, a person is attacked by a dog or sustains dog bite injuries, but doesn’t want to take legal action against the dog owner or caretaker, out of concern as they may know the owner personally, maybe the owner is a neighbor or a friend. However in most cases, the dog owner need not pay anything from their pocket and bear economic hardship, because insurance companies offer dog bite insurance coverage or dog attack insurance coverage. It is important to understand that who will be paying for the damages incurred by the victim of a dog attack.
California has recorded the highest number of dog bite and attack cases in the country. The case of dog bites in Murrieta have also been on a rise in the recent years.
In most cases of dog bites in Murrieta, an animal owner’s homeowner’s insurance policy covered all the liability which arose from any kind of dog attack or dog bites which occurred on the owner’s property.
As per statistics provided by Insurance Information Institute, around 16,500 homeowner’s insurance claims involving dog bites were filed in 2012 in the country. Each claim averaged for an amount of $30,000.
The average amount of liability covered under the homeowner’s policies ranges between $100,000 and $300,000. However most insurance companies include hidden clauses and information, which mentions covering only the first incident of an animal causing injury. There are also many insurance companies which do not offer coverage to certain breeds of dogs, like Pit Bulls or Rottweilers.
How to Deal with Insurance Companies?
If a person has been injured in a dog bite attack, first the injured person or his family is required to collect the contact information of the dog owner, and find out if they have insurance coverage and gather information about the same. Generally in case of a dog bite attack, the owners will file a dog bite insurance claim with their insurance company to cover the losses. This makes things complicated for the injured party. Because insurance companies do not easily agree to offer a reasonable sum for settling the matter. Insurance companies try their best to pay the least amount of money on the claim and try to make it difficult for the injured and their family.
The insurance company will require the copies of the medical records, bills, other expenses etc. If the injured person, doesn’t organize their file with all the required documents, presenting the real risk of liability to the insurance company, the company will not make an offer of settlement. Even after facing the trauma of dog bite, the injured person is now left frustrated running pillar to post to receive their dues from the insurance companies for their dog attack insurance claim.
One needs to understand that insurance companies are for-profit corporations. The higher they pay out in settlements, their profit margins will grow lower. In short, dealings with these insurance companies and fighting for your rights, are never fair. An injured person who is already in trauma of pain and financial losses, has to also deal with insurance professionals and defense attorneys. This is where the role of a dog bite lawyer comes in.
Contacting a Dog Bite Injury Lawyer
Khashan law firm has handled several dog bite insurance and dog attack insurance claim cases against the insurance companies successfully. In most of the situations, the matter has been settle before going to trial. Because as mentioned before, insurance companies are looking for profits. As soon as a professional dog bite lawyer gets involved, they become aware of the real risk of the client winning the case and getting awarded higher settlements. Hence the companies are ready to settle out of court and award the damages to the injured without going to court.
If you or your family member has been a victim of dog bite ANYWHERE in California, schedule a free initial consultation with us by contacting on (833) BITE-LAW.