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Insurance Coverage for Victims' Injuries in Dog Attack or Dog Bite Cases

Published: 6/13/12

When people are attacked or bitten by a dog, most injured victims do not know that they can recover damages through the dog owner's homeowner or renter's insurance policy. 

Oftentimes, a dog owner’s homeowner or renter’s insurance policy will cover a dog attack.  Most such policies provide $100,000, or perhaps up to $300,000 in coverage. 

In most cases, homeowner's or renter’s insurance companies insure people with dogs.  However, as the number of dog attack increases, insurance companies have begun restricting coverage based on breeds. 

Breeds usually considered dangerous include:

  • Pit bull,
  • Rottweiler,
  • Chow,
  • German Shepherd,
  • Presa Canario,
  • Siberian Husky, and
  • Akita. 

Pennsylvania, however, has laws that prohibit breed discrimination when insurance companies write policies.

Pennsylvania Dog Law § 459-507-A (d) provides that “No liability policy or surety bond issued pursuant to this act or any other act may prohibit coverage from any specific breed of dog.”   This means that insurance carriers are not permitted to prohibit coverage to any person based upon the breed of dog he or she owns. 

It is crucial to discover whether there is a liability insurance policy covering the defendant or defendants to compensate the injured victims.   The existence and limits of liability insurance is every bit as important to the financial viability of a case as the facts themselves. A case of clear liability and very serious injuries is economically worthless if there is no money that can be accessed to compensate the victim.

It is essential that the attorney handling the serious dog attack case explores the existence of all primary, excess and umbrella coverage applicable to any and all defendants.

If you were attacked and seriously injured by a dog and would like to have your potential case assessed by an experienced PA and NJ dog bite attorney, feel free to call us at 877.944.8396.

You can also access the related articles below for more information on dog attack cases:


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