dog bite lawsuit,
what to do in a dog attack,
animal attacks on humans,
when animals attack,
dog bite lawyer fees
Most homeowners and renters insurance policies cover a dog bite attack by their dog. In the case of an animal attacks on humans, generally speaking, most policies provide from $100,000 to $300,000 in liability coverage. However; oftentimes when animals attack, the claim may exceed those limits. In that case, the dog owner is legally responsible for the damages which are above that amount. With legal expenses, costs can quickly escalate.
Most insurance companies will insure homeowners with most breeds of dogs. there are a few exceptions and limitations which can make a difference. If a dog has previously been involved in a biting accident, an increased risk is involved. In this case, the insurance company may impose a higher premium or may exclude the dog from any coverage whatsoever. It would not be uncommon for insurance companies to require a signed liability waiver against animal attacks on humans.
When animals attack, a single lawsuit, whether or not you prevail, may cost up to hundreds of thousands of dollars in dog bite lawyer fees. This is one time when being rich may not be good – the greater your assets, the more you have to lose in a dog bite lawsuit. The personal liability coverage available from your homeowners insurance policy simply may not be enough to cover the amounts you are being sued for. Most homeowners today are advised to consider purchasing a personal excess liability policy which covers Fido. This type of policy rider is also known as an umbrella liability policy. It is intended to protect against personal liabilities, like dog bites, that may put a substantial portion of a homeowner’s assets at risk.
The amount of coverage for umbrella liability usually is in the neighborhood of $1 million to $10 million. It would cover a broad type of liability, from a small bite which becomes infected and needs further treatment, to dog bite lawyer fees
Most insurance companies have required minimum amounts of underlying coverage– typically at least $250,000 of protection from an auto policy and $300,000 of protection from a homeowners policy. Boatowners must also have boat insurance with a specified minimum amount of coverage. Personal excess liability insurance is relatively inexpensive. The first $1 million of coverage costs about $150 to $300 per year, the second million about $75, and subsequent increments of $1 million cost about $50 per year.