If your beloved dog should be involved in an attack of any kind, the legal ramifications can become quite expensive, especially if any medical treatment is required for the parties involved. In these cases, insurance may be necessary to protect you against any legal fallout stemming from dog bites and the like.
Why You Need Dog Bite Insurance
It’s common knowledge that even the most well-behaved dog may react aggressively in certain situations. This is particularly true in areas with an abundance of small children, who may not express the utmost care when encountering unknown animals.
Because this can be a common occurrence, all dogs owners are encouraged to implement some form of insurance related to dog bite liabilities. For a relatively small fee, owners can rest easy that they will remain covered, no matter what occurs.
Conventional Coverage May Not Be Enough
Even those with existing homeowner’s insurance may not be covered in the event their dog attacks another person or pet. Many policies fall short of such coverage, which may not be evident until it’s too late.
By instituting a dog bite policy, you will be afforded essential funding in case an incident does occur. This financial support can help pay for defense costs, as well as any medical expenses that may be incurred as a result.
Protect Both You and Your Pet
While dog bite liabilities can be stressful, the right insurance policy can help you ward off the often exorbitant expense associated with such incidents. These policies are suited to virtually every breed, and can spare you from an increased financial burden resulting from a single attack.
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Nearly 40 percent of American households own at least one dog, which means there is a lot of potential for someone to be bitten by a dog every day, and this translates to the probability that a dog bite lawsuit will be filed when the victim is seriously injured. It’s a fact that these canine companions bite humans, on average, 4.7 million times every year in the US.
A number of environmental triggers can cause even-tempered dogs to attack. Some of the most common triggers include defending their territory, young pups or food; being confronted by a stranger or finding themselves in an unfamiliar situation; being taunted or provoked by someone; and suffering from an injury or illness of some kind. Even a normally well-behaved dog may bite if they feel nervous or threatened in any way.
For example, if a child is left alone with an unfamiliar dog and accidentally steps on the animal’s tail, the dog may react and bite the youngster. Many homeowners assume that their dog is friendly since he or she has been raised around their own kids. But it remains a fact that they can, and often may react completely different around other people’s children.
Children receive a large number of bites from pets, some of which cause permanent disfigurement or even death. These are the types of scenarios that lead to litigation for pain and suffering, trauma, and costly medical bills. It’s important to remember that the two most helpless groups of people are children and senior citizens, both of whom suffer the most dog bites. In half of all dog bite cases, the victim is 12 years old or younger. What’s more, many of these injuries occurred around the vulnerable head and neck region.
No one wants to be slapped with a dog bite lawsuit, but if a dog is not well trained, or the dog gets over stimulated under any circumstances, there is the propensity for the animal to attack. Dog owners might want to consider signing up their canine friend for training classes taught by a professional dog trainer.
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