Dogs are often known as man’s best friend, but unfortunately, even the friendliest dogs can bite. If you or a loved one has suffered a dog bite injury, you may be wondering who is responsible for the damages and if you should submit a dog bite injury claim to your own insurance.
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Understanding Dog Bite Liability Laws
Most states have laws that hold dog owners liable for any injuries that their dogs cause. This can include injuries caused by bites, scratches, or any other aggressive behavior. Generally, the owner of the dog is the one who is responsible for the injury, regardless of whether or not they were negligent or aware of the dog’s aggressiveness.
In addition to state laws, some cities and counties also have specific ordinances related to dog bites or aggressive dogs. It is important to familiarize yourself with any laws or regulations in your area before pursuing a dog bite injury claim.
When to Submit a Claim to Your Own Insurance
If a dog has bitten you or a loved one, you may be wondering whether or not to submit a claim to your own insurance. There are a few factors to consider when making this decision.
1. Who Owns the Dog?
If the dog belongs to someone else, you will likely need to pursue a claim through their insurance. However, if the dog is your own, you may be able to submit a claim through your own insurance policy.
2. The Severity of the Injury
If the injury is relatively minor and does not require extensive medical treatment, it may not be worth filing a claim with your own insurance. However, if the injury is more serious and requires medical attention, submitting a claim may be necessary.
3. Your Own Insurance Policy
Your insurance policy may have specific provisions related to dog bites or personal injury claims. Reviewing your policy and speaking with your insurance agent can help you determine whether or not it is worth filing a claim.
4. Timeline
Most insurance policies have a specific timeline for filing a claim. If you wait too long to submit your claim, it may be denied.
The Benefits of Submitting a Claim to Your Own Insurance
There are a few benefits to submitting a dog bite injury claim to your own insurance, even if the dog does not belong to you.
1. Faster Resolution
Submitting a claim to your own insurance can often result in a faster resolution of your claim. This is because you are dealing directly with your insurance company, rather than waiting for the other party’s insurance to process your claim.
2. The Potential for Coverage
If the other party’s insurance denies your claim or if they do not have insurance, submitting a claim to your own insurance may be your only option for receiving compensation.
3. Legal Protection
If the other party disputes liability or if there are issues related to the liability or damages of the claim, having your own insurance company involved can provide legal protection and representation.
Conclusion
If you have suffered a dog bite injury, it is important to understand your legal rights and options for recovering compensation. While submitting a claim to your own insurance is not always necessary, it can be beneficial in certain situations. Speaking with an experienced personal injury attorney can help you determine the best course of action for your specific case.