What Does A Dog Bite Cost?
When you turn on the news, chances are you hear about another baby or child or adult who has been bitten — either by a family pet, a neighbor’s pet or by a dog who was running loose. A dog bite is a frightening event for both the dog owner and more importantly for the individual who was bitten. Dog bite stories that end in the death of a child or adult, or another dog bring with them a cost that simply cannot be calculated.
What Does A Dog Bite Cost?
Of all the things that can happen to an individual or a family, getting bitten by a dog can have lifelong ramifications.
Statistics on dogs and dog bites
- It can be a financial burden for the dog owner
- It can be a financial burden for the one who got bitten
- It can scar one for life
- It can lead to a lifelong fear and mistrust of dogs
- The financial impacts of your dog biting someone may be something from which you never fully financially recover.
- Your homeowners or renters insurance policy may cover dog bite liability, up the policy limits. If the claim against you exceeds those liability limits, you will be responsible to pay the rest of a claim if one is filed against you.
- According to State Farm Insurance, homeowners insurers paid out close to $670 million in liability claims for dog bites in 2017
- Dog bite claims numbered 18,522 in 2017; a 2.2% increase from 2016 when claims were 18,123
- The average cost for a dog bite claim paid out by an insurance company was #37,051 in 2017. The average cost has risen close to 90% from 2003 to present
- California continues to have the largest number of dog bite claims in the United States.
When we decide to adopt or buy a dog, we think about how much it will cost for veterinary bills, for training, for food, clothing, pet sitters, bedding, toys and other expenses that come with dog ownership. Thinking about how much it might cost if our family dog bites someone is not something that many new dog owners think about.
If they did, they’d stop to imagine what would happen if they were part of the statistic of being one of the 4.5 million who are bitten or one of the 800,000 people who are bitten and who require medical attention. It would likely deter you from bringing that fluffy puppy home, wouldn’t it?
What leads to the costs incurred by a dog bite?
Imagine this scenario. If your dog bites someone they could file a claim against you or your homeowner’s insurance policy or both and you could potentially be liable for:
- Medical and hospital bills
- Lost wages
- Any pain and suffering the individual faces
- Damage to any property the bite caused
- Court fees
The “cost” of a dog bite might not stop once the victim has received medical care, stitches and is sent on his way home. A dog bite can be traumatizing and may lead to the individual suffering lingering emotional and psychological effects that you may be liable for.
What’s a dog owner/pet parent to do?
Protect yourself and your best friend with Dog Bite Insurance
About FIDO There are many reasons a dog may bite, and it’s not always 100% preventable. In addition to financially protecting dog owners from dog bite claims, our Canine Liability Policy also covers other injuries to people, including scratches and fall injuries caused by dogs and injuries to other animals. Please contact us today for more information at (407) 865-7477, ext. 101.