Anyone can become a victim of a dog bite at any given time and oddly, most people are actually bitten by the family pet or a dog owned by a friend. Dog owners must bear the burden of any potential lawsuit resulting from an altercation, as well as any damages that occur, and therefore should seek a knowledgeable agent that can help provide dog bite insurance coverage to help pay settlement costs.
Dog bites occur to more than 4 million Americans every year and one out of every five of those bites causes an injury that requires medical attention, this according to the Centers for Disease Control (CDC). Children between the ages of 5 and 9 are found to be the most frequent victims of dog attacks, much more likely to be injured by a dog than adults.
The cost of insurance and the cost of a settlement
You should understand that an extremely large judgment could have quite a staggering effect on you financially. If you are found liable, without insurance in place, you might literally lose your house. This is why homeowners insurance without protection against dog bites just isn’t sound management.
When it comes to coverage needs, people that own more than one dog should be required to carry more coverage than those that have only one dog. When it comes to having multiple dogs, the sum of the parts is greater than the whole. While this idea may seem complicated, you should speak to an agent so as to be exactly sure just how much dog bite insurance is necessary for owners under different circumstances. The bottom line is, these policies offer protection to both, the owners and any potential victims when an attack does occur.
Ways to try to prevent dog bites
If you’re shopping for a new pet, we suggest that you choose a dog with a good temperament. Whether your dog is new, or been with the family for years, never leave young children alone with the dog (and especially an unfamiliar one). Don’t ever allow someone to try to play with your dog while it is eating or while feeding its puppies. Whenever someone approaches you while you’re walking your dog, and it growls or becomes agitated, restrain the dog slightly giving that person ample room to pass.