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When a serious dog bite occurs, many people assume the owner will personally have to pay.
In reality, most legitimate dog bite claims are covered by homeowners or renters insurance.
These policies often include personal liability coverage that applies to injuries caused by a household dog. That coverage may pay for:
- Emergency treatment
- Surgery
- Scar revision
- Lost wages
- Pain and suffering
However, not all policies are the same.
Some insurers exclude certain breeds. Others deny coverage if the dog has a prior incident. Some carriers cancel policies after a claim.
After recent changes in New York law, negligence claims are more common — and insurance companies are scrutinizing cases carefully.
If you own a dog, review your policy and understand your coverage.
If you’ve been bitten, don’t assume there’s “no money available.” Insurance often exists — even when owners are unsure.
Knowing how coverage works protects everyone involved.
If you have been injured due to a dog bite, you should contact Mack Press, the New York Dog Bite Lawyer. He will fight for you, while also ensuring it is the owner, and not the dog, that gets held accountable. Contact the New York Dog Bite Lawyer at 833-8-DOGBITE (833-836-4248), or visit our contact page.
