Have you or a loved one been attacked by a dog? If the answer is yes, then you know just how traumatizing this type of event can be. Treating dog bites can be both extensive and expensive, depending on the severity of the wound. So, along with the physical and psychological damage that victims endure, the financial effects can also be devastating in a number of ways.
In many cases, yes, homeowners' insurance will cover injuries caused by dogs, including dog bites and attacks.
Dog bites and attacks aren't only terrifying and painful, but often unexpected. One minute you may be walking down the sidewalk enjoying your day, and the next, fending off a vicious dog. In some instances, you may simply be doing your job when a dog attacks you out of nowhere.
San Diego prides itself on being one of the finest cities in the world. Unfortunately when it comes to dog attacks on United States Postal Service (USPS) workers, San Diego is one of the worst. The nation-wide ranking of most dog bites involving United States Postal Service workers for 2013 was released last month, and once again San Diego has some of highest incidents of dogs attacking postal carriers. San Diego ranked 4th on the list with 53 dog bites.
Dog bites were rampant in Bay Terraces on March 1st of this year. A roaming pack of three pit bulls attacked three different people in three separate attacks. The dogs first attacked 60 year-old Norma Williams while she was walking home from Church. The pit bulls surrounded and attacked her, biting her ankle and ripping her pants. Nearby resident Michael Ward heard Ms. Williams' screams and came to her aid. The pit bulls then attacked Mr. Ward, biting him many times on his thigh and torso. Later, the dogs attacked a 79 year-old man who was taken to a nearby hospital to be treated for the dog attack injuries.
A debate among state lawmakers highlighted some of the key issues in determining who is the responsible party when a dog bites a human. State laws on dog bite liability vary widely across the country, reflecting different viewpoints on the duties of a dog owner. On one side are those who support what is essentially strict liability for dog owners - they must be held responsible no matter the circumstances when their dog bites another person. Strict liability means there is only one question - did the dog bite the human? If the answer is yes the owner is held responsible.
When it comes to dog bites, this blog traditionally focuses on the victims of attacks and the avenues of legal recovery they can pursue. It is equally important to advise dog owners on insurance matters to ensure that should an attack happen, victims have a sufficient source of recovery, and dog owners have insurance to provide defense and pay for the victim's damages.