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What you should know about dog bite insurance

There are plenty of horror stories involving dog bites that would reasonably make anybody nervous around aggressive or large canines. According to research by the Centers for Disease Control and Prevention cited by Canine Journal, there are around 40 deaths related to dog bites in the U.S. annually. Dog bite insurance purports to offer a solution to dog bites by covering owners' liability.

If you have been a victim of such an attack, there are a few things you should know about such insurance policies. It is probably a good thing if the dog's owner has coverage, but you should not assume that it will be sufficient in helping you recover from the incident. The following are a few reasons why.

Dispute of claim

Insurance companies are in business to make money, and they are not always prepared to offer a settlement, so coverage does not automatically result in an approved claim for your injuries from the dog attack. Often, insurers or owners dispute claims such as yours in an attempt to avoid liability for the damages you have suffered.

Limited coverage

Similarly, insurance does not guarantee that you will receive compensation for all your needs resulting from the attack. You may have medical bills, rehabilitation costs, loss of income and lingering trauma. By contrast, the dog owner's policy might only cover medical bills under a certain cost. This could leave you still facing financial stress and physical incapacitation, even with the receipt of insurance benefits. 

Delayed payout

When an insurance carrier approves your dog bite claim and agrees to the compensation you demand, it may still take a considerable amount of time for the company to pay out the amounts owed for medical bills and all other costs you have incurred. Having a lawyer to advocate for the complete and efficient coverage of your expenses may be the best way to avoid an extended battle with the insurance company.

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