The Homeowner’s Policy: Using Insurance to Cover Dog Bite Injuries

The single most reliable source of recovery for New Haven dog bite injuries is the homeowner’s insurance policy of the at-fault dog owner. Understanding how this coverage works is key to a successful claim.

What Homeowner’s Liability Covers

Homeowner’s and Renter’s policies include a liability section specifically designed to cover bodily injury and property damage that the policyholder is legally responsible for. This includes injuries caused by their dog on or off the property.

• Medical Costs: Pays for initial emergency room visits, stitches, plastic surgery, and rehabilitation.
• Lost Wages: Compensates the victim for income lost due to being unable to work.
• Pain and Suffering: Covers the non-economic damages, including emotional trauma and permanent scarring.

Dog Breed Restrictions: A Major Hurdle

A significant factor in these claims is the insurance carrier’s stance on certain dog breeds. Many insurance companies maintain a “Dangerous Dog List” or “Restricted Breed List” (often including Pit Bulls, Rottweilers, German Shepherds, etc.) and may:

• Exclude Coverage Entirely: The policy may specifically state that it provides no liability coverage for incidents involving the restricted breed.
• Require a Canine Liability Rider: They may offer coverage for the dog only if the owner pays an expensive additional premium (a rider).

The Lawyer’s Role: If the dog owner’s insurance company initially denies the claim, they may be relying on a breed exclusion. An attorney will investigate:

1. Whether the owner had an alternative liability policy.
2. Whether the insurance company properly notified the owner of the exclusion.
3. Whether the exclusion is legally valid in your state.

Final Check: The homeowner’s insurance adjuster’s primary goal is to close the claim for less than the policy limit. Always consult with a personal injury lawyer before accepting any offer, as that first offer is rarely the full and fair value of your injury.