dog liability insurance

Dog Bite Lawsuits and Dog Liability Insurance

Did you know that 4.5 million dog bites occur each year in the US? And while many of you may be responsible dog owners, you still cant predict when or where an incident of this type may occur. Depending on how serious the injury is, or how litigious the individual (or the parents) might be, you could find yourself facing a lawsuit.

Dog bites often occur when there is no discernible problem that sets off the attack. It could be due to some type of a miscommunication between the animal and the victim. The fact is that unprovoked attacks occur a lot, from something as simple as a motion the person makes that the dog perceives as a potential threat, setting him or her on the offensive and snapping at, or even biting that child or adult. This demonstrates one of the main reasons why you need dog liability insurance.

Attacks Often Happen Inside The Home

Oftentimes the person that is bitten is an unfortunate friend or family member paying you a visit. Regardless of the situation, all dog owners have the same liabilities when it comes to their animal biting or causing harm to a person or another animal. There is always the likelihood of a dog becoming irritated and its best to try to avoid situations where a dog might become uncomfortable. A small child repeatedly striking a pet in the face is just one example of a situation that could irritate the animal and trigger an attack.

Dog Bite Prevention Safety Tips

For victims, preventing the occurrence of dog bites can be as simple as not approaching a stray or unfamiliar dog, especially if its owner is not present. Also, ask the owner if its okay to pet the dog prior to making contact and do not approach a dog with quick motions or from above. If a confrontation occurs, never scream or run away from the animal, raising your hands to avoid being bitten. Do not approach an unfamiliar dog while it is eating, sleeping, or caring for puppies, and never leave young children or infants unsupervised with a dog.

For owners, choosing a dog breed that is compatible with any family situation is always suggested. For example, aggressive dogs may not be appropriate in a home with infants and small children. Keep in mind that dogs are generally social animals and socializing and appropriate training will help minimize the risk of dog bites, but its always best to carry dog liability insurance for times when situations get out of hand.