Dog Bite Injury and Insurance Coverage

Most damages in a dog bite injury case are recovered through the dog owner’s homeowners or renters insurance. Dog bite incidents are on the rise and insurance companies are seeing an increase in dog bite claims.  Dogs bite nearly 4.5 million people a year and unfortunately children are vulnerable to the most serious  injuries. If you or a loved on has suffered injuries from a dog bite, it is important to have an experienced dog bite attorney investigate whether the dog owner has liability insurance and adequate coverage.

Some insurance companies have certain breed specific canine exclusions, as they believe some breeds are more dangerous and more likely to bite than any other breed. Some of the breeds that insurance companies commonly exclude from homeowners and renters insurance policies are the following:

Pit Bulls
Doberman pinchers
Chow chows
Great Danes
Alaskan Malamutes
German shepherds
Wolf hybrids (wolf dogs)

In 20013, Farmer’s Insurance reportedly changed it’s insureds homeowners coverage to exclude coverage for three of these dog breeds to include“Pitt Bulls, Rottweiler’s and Wolf hybrids” from it’s polices. See story here.  Liability waivers are typically used by insurance companies to exclude dog bites.  By excluding these breeds from coverage, insurance companies avoid liability.

Another way insurance companies attempt to decrease their exposure to dog bite claims is by limiting the amount and type of coverage for dog bite attacks. The problem with limiting the coverage amount is that a dog bite victim’s medical bills and damages varies from one dog bite victim to another.

The dog bite attorneys at Edward A Smith Law Officeshas been helping dog bite victims in Sacramento and throughout California for over thirty years. If you or your loved one been bitten by a dog, contact our office at 916-921-6400, or if your out of the area call toll free at 1-800-404-5400 for a free case evaluation. We will thoroughly investigate your claim and get you the compensation you deserve. Reviews can be found on Yelp.

Client Reviews

  • Me and my wife; had a car accident. We were amazed how easy, professional, friendly attorney Ed Smith is along with his staff. Everybody is amazing. Thank you so much, we are very impressed!
  • Ed Smith and his office team took on a difficult personal injury case on my behalf and for the passenger in my car. Ed is a top- notch attorney. His staff couldn't have been more helpful and kind. No need to look elsewhere. I give Ed Smith my highest recommendation.
  • Ed and Robert have been taking great care of my husband and I for the past 5+ years. They are always there when you have a problem and a quick resolution! Even when the issues have nothing to do with them. They are willing to help ease the pain off your shoulders. They are as good as it gets! Thank you again for everything.
  • Very professional. Great team, staff and service all around. Mr Smith was very honest, straight forward with his advice. He gives the word "attorney" an honest reputation. I will seek his council anytime, and would recommend him at the drop of a dime.
  • I would highly recommend Ed Smith to any friends or family in need of a personal injury attorney. Ed, and his staff, are very caring on top of being very experienced in this field. The staff always keeps you informed of the status of your case and they are always easy to reach by phone.
  • Edward Smith law offices provide competent, thorough, and personable help for victims of personal injury. When you first meet the staff you know you contacted the right office. This law office treats clients like people. I recommend this office to anyone seeking representation regarding personal injury.