Dog Owners Feel The Bite Of Higher Insurance Costs

September 30, 2010

According to the Centers for Disease Control and Prevention, each year in the United States 4.7 million people are victims of dog bites. Of those people attacked about 900,000 are forced to seek medical attention. In this unfortunate situation, the responsibility for the attack falls squarely on the dog's owner. If found responsible, the owner could be required to pay for the victim's medical costs and lost wages. Insurance Companies pay the majority of these claims, and are passing the increased costs to their policyholders, and limiting coverage.

Insurance companies are paying more for dog bite incidents. According to the Insurance Information Institute, home insurers paid 6.4 percent more for these accidents in 2009 than they did in 2008. That's $412 million last year compared to $387.2 million in the year before. For the third year in a row, the average dog bite claim exceeded $24,000. In addition, the number of claims made on dog bites in 2009 increased 4.8 percent to 16,586, up from 15,790.

Dog bites now make up almost a third of all homeowners' liability claims. As medical expenses for victims of dog bites continue to rise, so too do the costs of these claims to insurance companies. The costs of dog bite injuries are now 25 percent more expensive for insurers than they were in 2003, due in large part to increased medical costs.

To cover their backs, some insurance companies are changing their policies. Some may require dog owners to sign a waiver excluding them from coverage for dog bite attacks. Others may only cover the family dog if it has been professionally trained. Some charge higher premiums for dog owners or will exclude a dog entirely from being covered under the policy if it attacks someone.

While these dog bite accidents are becoming more and more frequent, personal injury attorneys are seeing fewer and fewer of these types of cases. Why? As personal injury attorney Jack Bloxham explains, "It is getting more difficult to collect on these claims. Insurance companies are limiting their coverage, or excluding them altogether. That makes for fewer claims that we can collect on, even if the homeowner is responsible. And even if the homeowner is made to pay, the result is often less money to the victim."

According to Loretta Worters, vice president of the Insurance Information Institute, "The responsibility for properly training and controlling a dog rests with the owner." This is the stance that insurance companies are taking on dog bite claims as well. In light of these facts, the best advice for dog owners is to be sure to have your dog trained, especially if it is an aggressive breed. Otherwise, if your dog attacks someone you may be the one that has to pay, because your insurance company certainly won't want to.

Article provided by Injury Law Center - Law Offices of Jack Bloxham
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