The idea that your dog may hurt someone may seem offensive or crazy, but the truth is that accidents happen, and dog bites are an accident that happens frequently in America. Many times, the owners of the dogs claim that they have never seen signs and that their dog just snapped. It is important to prepare yourself in case you have to deal with dog bite insurance claims from your dog.
Because dog bites account for such a large number of insurance claims, it is important to arm yourself with liability insurance for your dog so that you aren’t hit with high costs if someone makes a claim against you. In the case of your dog injuring someone, you are the party at fault, but with insurance you can ensure that you pay a low amount or sometimes even none at all. However, you want to make sure to keep your dogs close by and monitored and keep them out of a situation where you will need to handle dog bite insurance claims.
Some insurance companies do cover animal accidents; however they will only cover the first claim against your dog. That is why it is so important that you get specialized animal insurance, so that you know the cost is covered even if you have a “repeat offense”
You love your dog and know that it will never maliciously hurt anyone. However, even a normally calm dog may bite if it is scared, startled, or stressed. Sometimes your dog may bite if another pet is trying to take food or a toy away from your dog. Unfortunately, if your dog hurts a human or another pet, you may be sued for the damages caused by your dog.
Fortunately, there is insurance for dog bites. This insurance will cover any damages, up to a certain amount, made to a human or their pets that is caused by your dog. These damages can include bites, scratches, and other injuries caused by your pet. Depending on your specific coverage and how much premium you pay, you may be covered for hundreds of thousands of dollars. Some insurance may even cover you for millions of dollars.
Even if your dog does not have a history of biting, you may be required to have insurance for dog bites by your landlord. Some insurance even allow you to add your landlord of the property management company to your policy. This is important because they would not want to be held liable by the injured party if your dog causes the injury on their property. Therefore, having canine liability insurance can be beneficial to everyone involved.