Fitzpatrick, Skemp & Associates, LLC
No Fees Unless We Win Free Consultation
608-406-2282 866-821-1345
Serving Injured And Disabled Clients In Minnesota and Wisconsin

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.

No Comments

Leave a comment
Comment Information
Email Us For A Response

The Mission Starts With A Free Consultation

We handle most cases on a contingency basis. We will not ask you to pay any fees unless we are successful in getting you compensation. If you have questions or would like to learn more about how we can help you, call us at 608-406-2282, or toll free at 866-821-1345. You can also reach us by completing our online contact form to discuss your case with an experienced La Crosse personal injury attorney.

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Fitzpatrick, Skemp & Associates, LLC
123 7th St S
La Crosse, WI 54601

Toll Free: 866-821-1345
Phone: 608-406-2282
Fax: 608-784-4908
La Crosse Law Office Map