You may have been walking down the street, knocking on a neighbor’s door to come for a visit, or simply minding your own business in your own yard when it happened: A dog attacked. Now, you have had to seek medical attention and need someone to cover the bills.
When an animal bites, who pays the damages?
The owner can be held liable for the injuries you suffer and for the cost of medical care you need, but he or she won’t necessarily be the one paying the bill. Usually, it’s an insurance company that foots the bill. Depending on the situation, you may receive compensation from one of several sources including the following:
— Animal insurance– Car insurance– Homeowner’s insurance– The owner
Animal insurance, which is insurance provided specifically to pet owners, can sometimes cover when an animal bites. If this is the first time a bite has occurred, the company is more likely to cover your medical expenses.
Another insurance company that may cover the expenses is the owner’s car insurance. This is usually only the case if you were bitten while passing a car with the animal sticking its head out the window or if the animal was out in the open in the back of the vehicle.
Homeowner’s insurance can kick in if the injuries take place on the owner’s property. Sometimes, they may cover injuries that took place elsewhere, but this is less common.
Your attorney can help you make your case, so you can get the compensation you need as soon as possible. The other party’s pet injured you, and you shouldn’t have to foot the bill.
Source: FindLaw, “Animal Bites: Who Pays Damages?,” accessed June 28, 2016