{"id":21622,"date":"2018-07-21T00:10:44","date_gmt":"2018-07-21T04:10:44","guid":{"rendered":"https:\/\/www.propertyinsurancecoveragelaw.com\/?p=21622"},"modified":"2024-09-10T11:48:04","modified_gmt":"2024-09-10T15:48:04","slug":"mans-best-friend-are-you-covered","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/mans-best-friend-are-you-covered\/","title":{"rendered":"Man\u2019s Best Friend\u2014Are You Covered?"},"content":{"rendered":"

According to the 2017 statistics of the Center for Disease Control (\u201cCDC\u201d), approximately 4.5 million dog bites occur in the United States every year.1<\/sup> With the United States population as of 2017 at approximately 325.8 million, that means \u201cman\u2019s best friend\u201d bites 1 out of every 72 people a year.2<\/sup> The CDC 2017 figures indicate that one-half of all children by the age of 12 have been bitten by a dog with 5 to 9 year-old boys being at the highest risk.3<\/sup> That statistic is not surprising when you consider that children have less experience in reading dog behavior, are more likely to engage in activity that alarms or stimulates a dog, and are less able to defend themselves when a dog becomes aggressive.<\/p>\n

The American Pet Products Association (\u201cAPPA\u201d) puts the ownership of pets for 2017-2018 at 68.9% of households nationwide or about 85 million families.4<\/sup> The average cost to own a dog in 2017 was approximately $1,075 and to own a cat approximately $743 with these amounts not including any long term medical care or surgeries.5<\/sup><\/p>\n

The Insurance Information Institute and State Farm, figured that in 2017, about one-third (1\/3) of all homeowner\u2019s liability claim dollars paid out nationwide resulted from dog-bites or dog-related injuries. With an average cost for each injury of more than $58,545, that cost for insurers is more than $700 million total annually.6<\/sup><\/p>\n

With these statistics, and if you are one of the 68.9% of households with a dog as a family member, one has to ask\u2014are you covered under your current homeowners\u2019 insurance policy if your dog bites or otherwise injuries someone who is not a family member? The good news<\/strong> is that most standard homeowners insurance policies contain liability clauses with language like the following:<\/p>\n

Losses We Cover Under Coverage Y: Guest Medical Protection:<\/strong><\/em><\/p>\n

We will pay the reasonable expenses incurred for necessary medical, surgical, x-ray and dental services; ambulance, hospital, licenses nursing and funeral services; and prosthetic devices, eye glasses, hearing aids, and pharmaceuticals. These expenses must be incurred and the services performed within three years from the date of an occurrence causing bodily injury to which this policy applies, and is covered by this part of the policy.<\/p>\n

Each person who sustains bodily injury is entitled to this protection when that person is:<\/p>\n

(1) On the insured premises with the permission of an injured person; or
\n(2) Off the insured premises, if the bodily injury:
\n(a) \u2026 .
\n(b) \u2026 .
\n(c) is caused by an animal owned by or in the care of an insured person;<\/p><\/blockquote>\n

The bad news<\/strong> is that many insurance companies typically have their own \u201cone-bite rule\u201d meaning that the insurer will only pay for the first occurrence and then after that \u201cone bite,\u201d will either \u201ccancel\u201d your policy or add a \u201ccanine exclusion.\u201d If that happens, then the next question to ask is: \u201cWhat\u2019s in my Wallet?\u201d<\/strong> because you will be picking up your dog\u2019s second blunder.<\/p>\n

Other exclusions that some insurance companies may employ with or without the \u201cone bite rule\u201d are \u201ccaps\u201d on payment or limits on \u201cwho\u201d the attacks cover. For example, some policies exclude mailmen and meter readers as this is seen as just a hazardous part of their job. Other insurance companies have lists of breeds and cross breeds\u2014\u201cblacklists\u201d\u2014commonly identified as \u201cdangerous breeds\u201d that they will not insure. Some breeds on the blacklist could include; Pit Bulls, Rottweilers, Chows, Presa Canario Bulldogs, Siberian Huskies, German Shepherds, and Doberman Pinschers. If you encounter one of these breeds, or really any<\/strong><\/em> unfamiliar dog, below are a few things you can do to help not<\/strong><\/em> trigger an attack or better protect yourself:<\/p>\n