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Can I recover from an insurance company if I’ve been hurt by a dog?

Home or rental insurance may provide compensation after a dog attack

You may be able to recover compensation from an insurance company if you’ve been bitten by a dog, but first you will need to answer two questions.

Question 1: Was the Dog Owner Insured?

Many—but not all—homeowner’s and renter’s insurance policies include coverage for dog bites. Some homeowner’s and renter’s insurance policies specifically exclude coverage for all animal bites or for injuries cause by certain dog breeds.

In order to determine if the dog owner had insurance coverage that applies to your injuries, you or your dog bite lawyer will need to review the specific insurance policy that was in effect at the time you were bitten by the dog.

Question 2: How Much Will the Insurance Company Pay?

Assuming that the dog owner did have an insurance policy in place that covers damages resulting from dog bite injuries, you are going to want to know how much the insurance company may pay you for your damages.

This requires a detailed analysis that includes:

  • A review of the policy limits. Coverage is unique to the insurance policy that was in place when you were hurt.
  • An assessment of your damages. You need to know how much a fair recovery will be for your injuries. All of your damages including (but not limited to) past, present, and future medical bills, lost income, out-of-pocket costs, and pain and suffering should be taken into account.

However, simply asking for a fair recovery that is within the policy limits will not result in your receiving what you are due. Instead, you are going to have to convince the insurance company to make a fair settlement with you by presenting compelling evidence and arguments.

You do not have to do this alone. Insurance adjusters are experts at their jobs and it is their job to pay you as little as possible for your injuries. You deserve to have an experienced advocate working to get you the fair recovery you deserve. To schedule a free consultation with one of our dog bite lawyers, please start a free live chat with us now. We also invite you to learn more tips and resources for protecting your dog bite recovery by browsing our website.

Jason F. Abraham
Managing Partner, Hupy and Abraham