Dog Bite Insurance Questions
If you have been seriously injured in a dog bite, you may be worried about how you are going to pay your medical bills and lost wages. Here are the answers to some of your most wondered about dog bite insurance questions.
Dog Bite Insurance Questions | Does Homeowner’s Insurance Cover Dog Bites?
If the dog that attacked you was in a house, typically the homeowner’s insurance will cover that. Now, even though the homeowner’s insurance will cover it, that doesn’t mean that they’re going to pay. Insurance companies and insurance adjusters often fight these claims. The reason they do is that they know they can go back and look at the history and try and say that this dog has no history, and no indication that it would bite someone. In Nevada, it’s a one-bite free state. In other words, if there is a dog and the owner doesn’t know that it has a propensity or an inclination to bite someone, then they get a free bite.
That may not be true if you’ve got a pit bull or a rottweiler, or an animal that is known to have vicious tendencies due to the breed, but if you’re talking about a Labrador retriever, there may be an issue. I tell anyone who asks me questions about a dog bite case is that you really need to talk to an attorney who has handled these cases and knows the ins and the outs of these types of cases because they can become very complex. There are a number of defenses that are available to the insurance company, and just because you were bitten, doesn’t automatically mean that there’s going to be insurance coverage.
Dog Bite Insurance Questions | What Happens if the Dog Owner Doesn’t Have insurance?
Asking about an uninsured dog bite owner is a common question because oftentimes, someone may be a renter, or they don’t have homeowner’s insurance and there’s no insurance coverage for them to cover for their dog that attacked you. What can you do?
First of all, if you have health insurance, your health insurance is responsible for taking care of the treatment. You’ve got to get the treatment for that injury taken care of. There may be muscle damage, or nerve damage. There may be reconstructive or plastic surgery that is necessary, especially if it’s a bite to the face, or the arms, or somewhere that scarring can be severe. All of that can be covered under your health insurance.
However, what are you going to do about the injuries, the long-term effects of this? Is there any type of insurance that may cover that? It’s possible that your homeowner’s insurance may afford you some coverage for this, but there’s no way of knowing that unless someone does a full review of your insurance policy.
If you have any more dog bite insurance questions, please call our Las Vegas dog bite attorney today for a free consultation to get all of your questions answered.