Dog Bite Liability Insurance: What To Do After A Dog Bite
As I’m sure you know by now, dog bites are a serious matter. Even the smallest, sweetest dog can bite deep enough to tear into a layer of skin. The dog may be untrained or he/she may just have been provoked; regardless, it is serious situation that happens too often.
The best thing we can do is educate ourselves on the basics of dog bites.
Would you know what to do if a dog bit you?
The obvious answer is to get someone’s attention and immediately seek medical treatment, but it’s not as simple as that.
Take a look at our brief guide on what to do after being bitten by a dog.
Step 1: Catching the culprit
It’s essential to identify the dog and he/she’s owner(s). It will protect both your health and your finances. If you are unable to communicate with the owners
- You may end up paying out of pocket for you medical bills, property damage, etc.
- And you will need to have a medical expert test you for rabies
Step 2: Seek medical attention
Although medical care is not required for most dog bit situations, it’s important to know when you do need it.
Go to the nearest hospital or emergency room, if
- Excessive bleeding
- If wounds don’t heal
- Skin is punctured, lacerated or torn
- Signs of infection
- Unfamiliar dogs
- Rabies infected dogs
Step 3: File a dog bite report
File a report with your city animal control or police department.
Step 4: Gather Information
Obtain the following from the dog owner:
- Dog’s medical records
- Dog’s history (does the dog have a history of biting people)
Obtain the following from the dog owner’s insurance company:
- Name of the insurance company
- Claim number (if available)
- Amount of money payable to you for medical expenses
Dog bites do vary for each state. Look out for next week’s blog; we will be discussing state laws.
F.I.D.O., the Federation of Insured Dog Owners, Inc., now offers the Covered Canine Policy, an exclusive product and benefit for F.I.D.O. members only. This policy is available in California, Florida, Iowa, Michigan, New Hampshire, North Carolina, Pennsylvania, Utah and Wisconsin. It will protect you should your dog bite an individual and cause harm. It does not exclude any breed of dog and starts as low as $75 per dog, per year.