According to a recent study by the Insurance Information Institute, more than one-third of homeowner's insurance claims in 2009 were related to dog bite incidents. The Institute reports that 16,586 dog bites were reported throughout the U.S. in 2009, totaling more than $412 million in claims. The average cost per claim was $24,840, which was up 1.5 percent from 2008's costs. Overall, dog bite claims have risen 30 percent since 2003, when reporting first began.
Experts say that while the actual number of dog bites hasn't grown that much, the inflated costs of medical bills and the increasingly large settlement amounts in these types of cases are causing the claims total to rise exponentially every year. Most homeowner's policies and renter's insurance policies cover anywhere from $100,000 to $300,000 in medical bills and/or damages caused by a dog attack. However, as settlements continue to reach further and further into the five and six-digit range, many insurance companies are forced to raise their premium rates across the board.
If you are being denied coverage for a dog bite attack on your property or if you have been bitten by a dog on someone else's property, it is imperative that you contact a personal injury lawyer right away. A lawyer can help you sort out the situation and save you time and money in the process.