Homeowner’s insurance policies can help repair properties damaged by crime or inclement weather. They also protect property owners from premises liability. Premises liability coverage can pay for injury-related expenses suffered by visitors.
Someone who falls down the front stairs at a residence could pursue a premises liability insurance claim. The coverage protects the property owner from facing direct personal liability for people’s injuries. Can people attacked by dogs on private property rely on homeowner’s insurance to cover their losses?
Owners are typically liable for dog bite incidents
State statutes impose strict liability on dog owners. In other words, unless the person attacked by the dog provoked the animal or violated the law when the incident occurred, the animal’s owner is legally and financially responsible for the harm the dog caused. Homeowner’s insurance typically covers dog bite incidents.
The injured party can seek compensation for medical expenses, property damage caused by the incident and even lost wages if they cannot work while they are healing. In some cases, however, the insurance company may not readily agree to a reasonable settlement. It is sometimes necessary for the victim to file a lawsuit to obtain appropriate compensation after a dog bite incident.
Documenting expenses and evidence of the attack can help people seek justice when a household pet becomes aggressive. Their records can help when negotiating with insurance providers or presenting the incident in civil court.
Premises liability lawsuits can potentially reimburse people for the expenses caused by a dog bite incident. Getting legal guidance can help those injured learn more and help them pursue compensation for medical costs and other expenses and damages.