What happens when a dog bites someone? Learn the laws that apply…
Dog bites are a huge issue in America today. Every year over 4.5 million people are attacked by dogs. And the numbers just keep rising.
Here’s the problem. Most homeowners and victims are unaware of the laws that surround dog bites. That ignorance can cost them thousands of dollars… or more.
If you own a dog, or if you’ve been bitten by one… understanding dog bite laws is critical. These laws affect who pays, how much they pay, and what rights victims actually have.
Let’s take a closer look.
What you’ll learn:
- How Dog Bite Liability Laws Operate
- What Homeowners Should Know
- What Steps Victims Should Take
- Insurance Coverage for Dog Bites
Dog Bite Liability Laws Explained
Like many laws, dog bite liability laws vary from state to state.
But most states can be categorised as one of two types when it comes to dog bites.
Strict Liability States
Dog owners are automatically responsible for injuries caused by their pet. Even if they had no reason to believe their dog would bite. And even if the dog has never shown aggression before.
One Bite Rule States
Dog owners are only responsible if they knew (or should have known) the dog could cause injury. It’s sometimes referred to as the “one free bite” rule. Don’t be fooled by the name though. Dogs don’t actually get a free pass for the first bite.
Pedestrians walking down the street, jogging through neighbourhoods, or walking through parks are often the victim of these attacks. If a pedestrian accident results in serious injury, victims will often need a personal injury attorney Bothell WA to help them recover the compensation they deserve.
Depending on where you live, there may also be local ordinances covering leash laws, specific breeds that are deemed dangerous, and owner responsibilities. Local dog bite laws should be familiar to both homeowners and victims.
Dog Bite Laws Every Homeowner Should Know
If you own a dog, you bear legal and financial responsibility for their actions. And the stakes are higher than ever.
Nationwide, insurance companies paid out over $1.57 billion on dog bite claims in 2024. That’s a 19% increase from the previous year. And the average claim cost homeowners $69,272.
Homeowners need to take responsibility.
Here’s what you should do:
- Know your policy coverage. Most homeowners insurance policies cover dog bite incidents up to $100,000 – $300,000. But any costs above that will come out of your pocket.
- Disclose your dog to your insurance provider. Trying to hide the fact that you own a dog from your insurance company can cause denials and even cancellations.
- Train your dog. Dogs that are properly trained are far less likely to attack. Spend the time properly training and socialising your dog from a young age.
- Secure your premises. Fences, gates, and leashes are your first line of defense. Dogs that wander off your property and attack pedestrians or visitors can cause serious liability issues.
Simple. If you own a dog, you are liable for what they do. Take these steps to better protect both your family and your wallet.
Dog Bite Laws: What Victims Should Do
Getting attacked by a dog is scary. But what you do after the attack is every bit as important.
Follow these steps to ensure you’re taken care of legally and financially.
- Seek medical attention. Dog bites can cause infections, nerve damage, and scarring. Get checked out by a professional.
- Document everything. Take photos of your injury, where you were bitten, and the dog if possible. Write down exactly what happened in detail while it’s fresh in your mind.
- Report the bite. File a report with your local animal control or police department. You’ll want an official record of the incident.
- Get the owner’s information. Get the dog owner’s name, address, and insurance information. You’ll need this if you decide to file a claim.
- Talk to a legal professional. Dog bite laws are complicated and vary from place to place. A legal professional can help ensure you’re getting fair compensation.
Kids are especially at risk. Over half of all dog bite injuries are suffered by children, according to the American Veterinary Medical Association.
Dog Bite Insurance Claims
Here’s a little known fact…
If a dog bites you, the dog owner’s homeowners insurance is typically responsible for covering medical bills, lost wages, and even legal fees.
Unless.
Some insurance companies exclude certain breeds they deem “high risk”. Others may drop the homeowner’s policy entirely if a dog bite occurs. And what happens if the dog owner isn’t insured? That leaves the victim seeking compensation in civil court… which is exactly why having a pedestrian accident lawyer or personal injury professional on your side can be invaluable.
Here are some things every victim should know about dog bite insurance claims:
- Most homeowners policies contain personal liability coverage for dog bites.
- Personal liability coverage typically ranges from $100,000 to $300,000.
- Once medical costs exceed the policy limit, dog owners are personally liable.
- Umbrella policies can cover liability amounts above and beyond the set limits.
Dog bite claims are becoming more and more expensive. With over 22,000 claims filed in 2024, someone is going to get stuck paying those legal fees.
Don’t let it be you. Dog bite victims deserve to know their rights and options. Don’t settle for less than you deserve.
Bringing It Home
Dog bite laws are in place for a reason. They protect victims and responsible homeowners.
It’s time every dog owner and victim knew both sides of those laws.
Homeowners need to know:
- What their state’s liability laws are
- How their insurance works
- How to properly secure and train their dog
- To take responsibility as a dog owner
Victims should know:
- To seek medical care immediately
- How to document/report the bite
- What their legal rights are
- Not to accept low ball offers
Dog bites aren’t going away anytime soon. As the rates continue to climb, expect more laws to be put into place.
Stay safe. Know your rights, and know local laws.
