Why the breed of a dog that bites may matter in an insurance claim

On Behalf of | Jul 28, 2021 | personal injury

Any dog can bite, but most dogs don’t become aggressive toward humans. When a dog does attack, the result can be severe physical trauma and psychological damage, especially if the victim is young or suffers serious physical injuries.

Many people hurt by a dog in an unprovoked attack can bring a claim against the owner’s insurance. The person who owns the dog will likely have homeowner’s insurance or maybe even rental insurance that protects them from liability.

You can make a claim against that policy to pay for your medical bills and any other losses suffered because of the attack. Unfortunately, certain breeds of dogs could prevent you from making a successful claim.

Many insurance companies follow a list of restricted or dangerous breeds

Every insurance policy is unique, and what breeds are subject to additional restrictions depends on the insurance company. However, there are certain breeds that insurance companies and landlords often ban. These breeds include Siberian Huskies, German Shepherds, pit bull terriers, Cane Corsos, Akitas, Doberman Pinschers, Great Danes and Rottweilers.

If someone takes out an insurance policy and they have a dog that belongs to one of those restricted breeds or is a crossbreed with one parent being from a restricted breed, the insurance company may not cover any claims related to the animal.

The owner will have to disclose the animal and likely pay more insurance. They may have hidden the fact that they owned a dog or lied about its breed, meaning the insurance company won’t pay claims related to the animal. In cases where the person whose animal is responsible for a dog bite attack does not have insurance coverage, a personal injury claim may be the only available form of recourse for the victim.