Dog owners howl over breed blacklists, coverage denials and other home insurance issues. Dog bite insurance is crucial for any responsible pet owner in securing yourself from liability should your dog bite an individual and cause harm. Lawmakers are set to approve a measure that would apply regardless of breed and presumes that all dog owners can be held liable for a bite even if a dog has not bitten anyone before. Over the last year, dog bite claims have decreased. Find Attorneys in Your Area. In other words, even if you took all precautions to prevent the attack (e. Call (508) 916-2773 to schedule a free consultation with a Massachusetts personal injury lawyer at the Law Offices of Sabra & Aspden. Homeowners insurance will pay for fire damage, as well as for your own personal liability. If there are no bad dogs, just bad owners,. The one bite rule allows a dog owner to assume his/her dog is not dangerous until the dog displays behavior that proves otherwise. There are anecdotal reports of vaccinated dogs not reacting severely and recovering quickly when bitten but, without controlled studies, we can't know whether there was actually envenomation or not (around 25- 30% of all snake bites are dry, meaning they inject no venom) and maybe the dog would have been fine anyway. Insurance companies do whatever they can to minimize their losses, so they may exclude all dogs, certain breeds, or any dog that has already bitten someone. If you've been bitten by a dog and the owner of that dog doesn't have insurance, you still have a claim against the owner of the dog. When renting a property make sure to have rental insurance because most landlords do not provide coverage should there be a dog bite incident. I have a clause that even releases him from liability since I am the owner and assume 100% responsibility. Last year, the Senate judiciary committee, chaired by Senator Brian Frosh, passed a measure that removed the one-bite rule as against all Maryland dog owners. Section 174. We have an entire page about dog-on-dog bites that outlines your options.
"Usually, you have some initial aggression, the human tries. Sample Demand Letter - Dog Bite Injury If you are injured because of a dog bite and want to file a claim with an insurance company for your damages, you must write and send a demand letter. 02(1)(a) deals with a “first bite” of a dog while § 174. Many of these settlements are on behalf of children and infants who have suffered injuries in those attacks. In the case of a dog who broke free of their confinement, the victim must prove that the dog owner did not use reasonable care in securing the dog in order to recover in a dog bite case. Arizona is known as a strict liability state when it comes to dog bites, which means that the owner of the dog can be held liable for injuries and damages regardless of the owner's negligence or knowledge. If the dog has bitten before or shown aggressive tendencies toward a human and the owner has knowledge of the incident, the owner is generally held strictly liable for the dogs subsequent actions. No person. There are several reasons why you, as a pack leader, might need to take out a canine liability insurance policy. Insurance companies do whatever they can to minimize their losses, so they may exclude all dogs, certain breeds, or any dog that has already bitten someone. MICHIGAN DOG BITE LAW | DOG BITE LAWYER Dog Owner Liability For Michigan Dog Bites. The 911 dispatchers can also send police to help stop the ongoing rampage of an aggressive dog – so no one else has to get hurt. Dog owners would be well advised to have comprehensive insurance in place to protect then from the indiscretions of their pest. By making a dog bite compensation claim, you could secure funds to help with the rehabilitation and emotional support you need for your injuries. 2 percent between 2014 and 2015, according to the Insurance Information Institute. In most cases, as our Fort Lauderdale attorneys recognize, the medical bills alone are far in excess of what most people can afford to pay.
“We know that dog bites are not a breed-specific issue and that any dog can bite. has actual or constructive knowledge) of the dog's viciousness prior to the attack, and could have removed the dog before it injured the victim. In a negligence action arising from a dog bite, it is the animal's owner who is held responsible, if anyone, for the injuries sustained. Training your dog not to bite will take some work, but with a few simple strategies, you can do it. Tip #3: Friends and Family Can Help… Because you may not be entirely clear headed at the start of your recovery it may be helpful to get the assistance of your spouse or a good friend. Your Money: Get insurance for your dog's bite, as well as its bark. 7 million -- the highest of any state in the U. The responsible person in a dog bite is either the owner of the dog or the person is responsible for the dog at the time that the incident occurred. Dogs don't have hands so they investigate objects and their environment with their mouths. Jul 06, 2016 · I called my insurance agent and he assured me it was no big deal; dogs get one free bite there would be plenty of options for new insurance. However, the owner of the injured dog appears to have enlisted the help of a lawyer, and this lawyer sent me a letter. The number of injuries associated with dog bites and dog attacks per 100,000 CHIRPP injuries of all types within the age group indicated. Have you come to our website looking to find out more about the likely average compensation for a dog bite? The RSPCA notes there were around 8. She reported this "dog bite" at the hospital (I don't know what she showed the doctor because there was no wound, bite, puncture, scratch or any form of damage on her elbow) - the hospital notified Animal Control, who then contacted me. In one-bite states, an owner who exercises "reasonable care" in controlling their dog is not liable for an attack if the animal had no prior history of aggression (e. Workers’ Compensation and Dog Bite Injuries. As I said, I don't currently have a dog, and am no expert, but I think the people I know and respect here on Yelp all put a whole lot of time and thought into doing what's best for their dogs. The reason it is recommended is because if the dog happens to bite someone on their property, then insurance can help cover the expenses of the victims rehabilitation. Dogs are most likely to bite when they feel insecure in the first place, and in cases of severe dog-bite injuries, dogs are often rehomed or euthanized.
You’ll be filing your lawsuit against the other dog owner, not the dog owner’s insurance company. Pet liability insurance for dogs. Dog bites and home insurance. Dog owners across the country have spoken out about the horrible choice they have been forced to make between obtaining insurance and keeping their dogs. If no such policy can be found, the victim might have recourse to pursue recovery through other means. But this same pet owner still has the responsibility to recognize and deal with their adult dog that becomes overly aggressive at inappropriate times. A history of prior attacks is irrelevant in Illinois when pursuing a dog bite case. Under the right circumstances, any dog might bite, regardless of breed. Nor does the owner have to have any knowledge of the dog’s propensity for biting people, which he or she required under the previous “one. Homeowner’s insurance protects the homeowner even if they injury occurs off the property–as is often the case of a dog bite that occurs while the dog is running at large. A total of 32 states have instituted a dog bite statute that makes the owner. If you have questions about dog bite, personal injury claims, auto accident, or slip and fall cases, feel free to send me an email below. Just about every state has a clearly-delineated legal rule for pet owner liability arising from dog bites, whether it comes directly from a law passed by legislators, or from decisions handed down by the state’s appellate courts over the years. When Your Dog Bites You. California law regarding dog bites spells out the rights and responsibilities of the dog owner and the victim. Tips to help prevent dog bites. This means that a dog owner and/or keeper may be liable the first time a dog bites, regardless of the owner's negligence. Insurance companies do whatever they can to minimize their losses, so they may exclude all dogs, certain breeds, or any dog that has already bitten someone. 000 dollars of insurance.
E has little choice but to peddle his lies and disinformation as there’s absolutely no evidence that breed specific legislation actually lowers dog bite statistics anywhere it’s been enacted and even if it did work it still ignores the 118 victims of non banned breeds over the last decade be the voice of all these victims and reject Bsl in. Various organizations have been publicizing dog bite information because of National Dog Bite Prevention Week, the third full week in May. While I mostly agree with you about the warning signs, as my dog can be a bit too dominant, sometimes there really are no warning signs. Every year millions of people get bitten by dogs, some people are accidentally by domestic dogs and others by stray or street dogs. How to Compensate Someone Bitten by Your Dog. Your insurance company will likely look at each claim on a case-by-case basis, assess the circumstances that led to the bite and factor in state law. I was at a party where the owner's dog bit a little boy and later the same day bit me. are bitten by dogs each year. Tips to help prevent dog bites. Many states have caps or limitations on punitive damages and noneconomic compensatory damages. Liability insurance for a dog bite injury or attack is typically part of homeowner’s insurance; however, there are many policies of insurance that do not include coverage for dog bite or dog attack injuries. Most responsible dog owners have pet insurance that helps them cover their vet's bills, but also, just as importantly gives them third party insurance should their animal cause damage or injury to other persons or property. This means that a dog owner and/or keeper may be liable the first time a dog bites, regardless of the owner’s negligence. Yes, under California law, you would have a potential claim for both. Check if your home owner's insurance covers any bites caused by your dog to third parties. Dog Bite Occurrences Most dog bites occur in the home of the dog owner.
Florida is not one of those states, however, and does not have a “one bite rule. Yes, under California law, you would have a potential claim for both. studies on dog bites have even argued against the use of their data to support breed-based deci-sion-making by insurers and legis-latures. It provides a clear statement of the law for Tennessee dog bite cases. Getting medical bills paid after a dog bite starts with finding out if the owner has homeowners insurance. While some people automatically assume that their homeowner's insurance will cover dog bites, other pet owners never even stop to think about needing this particular liability coverage. However, a dog owner will not usually be liable for a dog bite or attack in circumstances where: the dog had no history of aggressive behaviour; the other animal comes onto the premises where the dog is kept; the dog has been teased or abused prior to the attack, or; the dog is protecting someone known to it from the other animal. The average dog bite claim cost $26,166 in 2010, according to the Insurance Information Institute, and the size of settlements and jury awards for dog bite victims have outstripped inflation. The Munro family has hired Toronto lawyer Richard McLean to start legal action against the dogs' owner. The dog bites someone while it was under your care. A majority of states hold pet owners liable if a dog causes injury. That’s good news for the landlord. The bite was on the face and it is very possible that there may be permanent scarring. If you have suffered from a dog bite, then it’s very likely that you are eligible to receive a substantial dog bite compensation. Because no two dog bite lawsuits are alike, there is no true "average" settlement amount.
While domesticated dogs are almost always extremely friendly and amicable, on rare occasions, dogs can be dangerous. If a dog bites someone who was trespassing, or if the bite victim was “teasing, tormenting, or abusing” the animal, Massachusetts law allows no recourse for the bitten. Restricting breed ownership has not reduced the incidence of dog bites. This means that an owner or keeper is automatically presumed to be responsible for a victim's injuries if a local law, such as a leash law or other animal control law, is violated and the violation is the cause of the bite injuries. Fear or Surprise Dogs who are otherwise submissive or timid can bite their owners out of fear or surprise. They also wanted to gather data on the age and gender of bite victims, the sex and size of biting dogs, the locations on the face that were bitten, and the need for medical treatment. What’s a dog to do? What’s left to convey that he likely fears for his safety, or even his life? You got it, a bite. When calling the police, if the bite is minor, call the non-emergency number but state that all parties are still at the scene. insurers collectively paid out more than $483 million in 2013 for 17,369 claims for dog-bite injuries. There are no questions asked and my discounts are automatically calculated on my invoice. While the responsibility for the dog bite will usually rest on the animal owner, there are certain cases when a landlord could be liable. The Government has advised in guidance that local authorities consult with dog owners groups such as KC Dog prior to introducing ‘Public Spaces Protection Orders’. National Dog Bite Prevention Week (May 17-23, 2015) is designed to provide consumers with information on how to be responsible pet owners while increasing awareness of dog bites as a serious. As with a car accident, pedestrian accident or any other personal injury case, the insurance company has the option to approve or deny your claim. Commonwealth v.
Common Dog Bite Insurance Options. Check with your agent or company to make sure your policy covers dog bites. Find Attorneys in Your Area. California’s dog bite statute imposes 100% liability upon a dog’s owner when the dog bites a person in a public place or lawfully in a private place. In addition, it is not necessary to prove that the dog is vicious or has caused any injuries in the past. We were wondering what are the most dangerous dog breeds that bite the most people, so we’ve decided to do a little research. This means that an owner or keeper is automatically presumed to be responsible for a victim's injuries if a local law, such as a leash law or other animal control law, is violated and the violation is the cause of the bite injuries. Study Examines Dog Bites to the Face. Don't assume that because a dog is a certain breed or size, or because it has never shown aggression in the past, that a dog won't bite. More dangerous dog breeds are often excluded from your coverage plan. At common law, a dog owner can be held liable for the injury caused by a dog that the owner knows, or has reason to know, may be dangerous. I play with my dog all the time and he will hold my hands or arms in his mouth, but he has been taught “no bite” and “bite” a stick, bone, toy or whatever he is playing with. Reynolds agrees. Nor does the owner have to have any knowledge of the dog’s propensity for biting people, which he or she required under the previous “one. If the biting dog is a puppy under six months old, the biting is very correctable. Dog Bite Occurrences Most dog bites occur in the home of the dog owner. The best has to do with insurance. It is strict liability. There are several reasons why you, as a pack leader, might need to take out a canine liability insurance policy. This year, the Maryland legislature may resolve this matter.
Under this much harsher standard, an owner is liable for dog bite injuries even without proof that he or she failed to exercise reasonable care to prevent the attack. No dog shall be found to be a dangerous dog as a result of biting, attacking, or inflicting injury on a dog or cat while engaged with an owner or custodian as part of lawful hunting or participating in an organized, lawful dog handling event. My dog bite a FedEx Driver on my property. Dog bite law varies depending on the jurisdiction where you live and this is what determines the protection (if any) you receive from posting a beware of dog sign. If the injuries involved are minor, a policyholder may or may not decide to make an insurance claim for monies owed to a bite victim. The one bite rule allows a dog owner to assume his/her dog is not dangerous until the dog displays behavior that proves otherwise. Dog bites may also be covered by automobile insurance if the injury is sustained in the owner's motor vehicle or by animal insurance if the owner elected to purchase such coverage. To have a successful relationship with strong dogs like this one, the owner needs to have the time and experience to properly. - If your pet has bitten someone, or if you are the victim of an animal bite, you are required under state law to file a report with the Animal Control Unit within twelve hours of the bite. Unlike other states, there is no such thing as “one-free-bite” in Pennsylvania. Best of all, unlike other pet insurance providers who deny your dog coverage for specific conditions as they grow older, we have no age limits on hereditary or chronic conditions like hip dysplasia or cancer, for any breed at any time. If the dog owner is uninsured, or underinsured, there are 3 basic solutions to choose from: Umbrella coverage. I also know their behaviors and signals and know that any dog is capable of biting under the right conditions. In California, dog owners are usually held to a strict liability standard if their dog bites someone. It is estimated that approximately five million persons in the U. Cases settle either before or after the filing of a dog bite lawsuit. Leave a baby or child alone with any dog. This is $3,984 less than the average. In Arkansas, it’s zip, zero, zilch.
• Your dog bites a neighbor; however, your insurance company may exclude coverage if you have a dangerous or vicious dog that has previously bitten or attacked. For instance, the owner may be held liable for any damages, including veterinarian bills. That's why animal liability coverage is an essential part of being a responsible pet owner. Best of all, unlike other pet insurance providers who deny your dog coverage for specific conditions as they grow older, we have no age limits on hereditary or chronic conditions like hip dysplasia or cancer, for any breed at any time. Someone who "keeps" or "harbors" a dog—that is, cares for or exercises some control over it—is usually treated just like the dog's legal owner when it comes to liability for injury the dog causes. If you have been bitten by a dog in a public place, you might be entitled to compensation. Use your funds to retain a lawyer to file suit against the dog owners. 11 Riskiest Dog Breeds for Homeowners and Renters. Dog bites are by far the most common liability claim on homeowners insurance policies, amounting to more than a third of all such claims, according to the Insurance Information Institute. However, a dog with a previous biting history may be euthanized if: the dog has bitten a person on at least two separate occasions; or, the dog that was trained to fight, attack, or kill someone and causes substantial physical injury. A dog that bites can be another story, however. Note that most rental insurance companies do not cover dog bites, so you may need to get a separate pet insurance policy. We have obtained significant settlements for victims of dog bites and attacks in Michigan. At common law, a dog owner can be held liable for the injury caused by a dog that the owner knows, or has reason to know, may be dangerous. Homeowner's insurance protects the homeowner even if they injury occurs off the property-as is often the case of a dog bite that occurs while the dog is running at large. In addition, for a dog that bites, physically isolating him will stop the problem short term…while the dog is taken away of course he is not biting anyone…. California law regarding dog bites spells out the rights and responsibilities of the dog owner and the victim. And any dog that has not developed bite inhibition is capable of inflicting serious harm in the blink of an eye, even little dogs. Beware of Dog Bone up on how to reduce your risk of a pet liability claim F irst, the good news: The number of homeowners insurance claims nationwide arising from dog bites decreased 7. The one bite rule allows a dog owner to assume his/her dog is not dangerous until the dog displays behavior that proves otherwise.
Sometimes, a person injured by a dog bite (or any other animal bite) doesn't want to bring a legal action against the animal's owner out of worry that they'll face economic hardship as a result, particularly if the owner is a neighbor. They can place you at risk of an expensive lawsuit if your pet bites someone else. Liability may be criminal in case of willful failure to restrain animal. Understand Your State's Dog Bite Laws. What homeowners insurance companies allow all breeds of dogs? It is very rare to find a homeowners insurance company that allows all breeds of dogs. Kansas has a "one bite rule. What’s a dog to do? What’s left to convey that he likely fears for his safety, or even his life? You got it, a bite. ’ She was showing her teeth," said her mother, Ellen. If you have been bitten by a dog: Get the dog owner's name, address and phone number. My dog bit someone and it resulted in a serious injury. So, if Frothymouth Chompyface—a historically non-violent dog—were to run up and bite a trespasser, the standard is lower than if he’d waylaid Aunt Catarina. Knowledge again plays a part as for a dog owner to be held negligent it would have to be shown not just that they potentially failed to prevent the accident but also that they were aware that the. , according to a report from the Insurance. 040) for dog bites to both humans and other animals. My dog bite a FedEx Driver on my property. They also made up one-third of all homeowners insurance liability claims for that year. You have a fenced-in yard that you use as a selling point in your rental ad, even. By doing so, they can serve as an important partner as well as a resource for their clients and communities. The dog owner intentionally causes their dog to bite someone; The dog owner knows that their dog tends to bite or injure others without provocation and fails to reasonably restrain the dog; or The dog is declared to be “vicious” or dangerous according to local law and the owner fails to reasonably restrain the dog.
Don't Make Assumptions about CoverageIf you are concerned about protecting yourself. At the Law Offices of Larry H. The common argument is that there are “no bad dogs, just bad owners” and “all dogs are capable of inflicting a serious bite”. Homeowners Insurance Basics. It even comes with gruesome dog bite photos that were apparently taken from a British newspaper story. You have no protection whatsoever. Einhorn Insurance does NOT agree with the way most insurance companies stereotype strictly by a dog's breed. Many states have adopted a “one bite rule” to account for the innate wildness in all dogs, which permits the dog and its owner some leniency in the law the first time it bites someone, assuming it had never shown obvious signs of aggression before. - Dogs and cats involved in a biting incident must be confined to the owner’s or keeper’s premises, a veterinarian’s office, or the Humane Society for. This is vital information for any one who owns or is thinking about getting a dog. yet this offers zero opportunity for owners to show the dog what is acceptable and what is not. It doesn't matter if the dog has never bitten another person -- there is no "free bite rule" in Michigan, and dog owners can be liable the very first time their dog bites somebody. In Ohio there is no breed discrimination and Farmers only excludes coverage from dog bite if the pup has a prior history of biting. The privilege or right of dog ownership in Florida is not contingent on securing dog bite insurance coverage. So let's say the owner of the dog has no assets and there is no homeowner insurance (which usually covers dog bites). You can get compensation for any medical bills, pain and suffering, or lost wages.
This means when a dog bites or attacks someone in a public or lawfully private place (such as a private residence), the owner of the dog is liable for the injuries—even if the dog had no previous history of viciousness or violence. If your dog bites someone, you are, quite simply, screwed. As I said, I don't currently have a dog, and am no expert, but I think the people I know and respect here on Yelp all put a whole lot of time and thought into doing what's best for their dogs. Until that point they had no. One-third of homeowner liability claims, costing in the hundreds of millions of dollars annually, arise from dog bite incidents. Insurance policies specify what is covered should a dog attack occur. One of the most common reasons is because most major insurance companies have a list of so-called "dangerous" dogs that they won't cover in their homeowners insurance, even if the dog has no bite history. In that circumstance, a bite victim's insurance provider might work directly with the policyholder's insurance company, or sue the dog owner. They are hard-shelled animal s with a soft and gentle core. What You Need to Know About That Beware of Dog Sign. In 2014, the average dog-related injury claim totaled over $32,000! If you have a liability policy for your dog, either through a stand-alone policy or your homeowner's or renter's policy, most of those costs can be covered. this dog was recued by my son, found tide to a fence. Dog Bite Claims. Allstate has a "no policy" list that is extensive. I have my own renters insurance and my insurance provides personal liability if my dog EVER bite anyone. In the past, Georgia’s courts have cited the “first bite rule” — that the dog had previously bitten someone and the owner knew about it. Allison had never hurt anybody, but the insurance company deemed her an "unacceptable liability exposure. I do not have home owners insurance. Representing those injured in Maryland, Washington, D. Good thing: One-third of all homeowners insurance liability claims are related to dog bites.
The basic commands "sit," "stay," "no" and "come" can be incorporated into fun activities that build a bond of obedience and trust between pets and people. In the event of the dog's death, the owner and/or custodian shall notify the Department no later than twenty-four (24) hours thereafter and, upon request, produce the dog for verification. People may be injured by dogs without being bitten. The most common homeowners insurance dog breed restrictions include: Pit. Dog Bite Lawsuit No Insurance While it is recommended that every homeowner has insurance, it is recommended more so to people that have a dog on the property. Allison had never hurt anybody, but the insurance company deemed her an "unacceptable liability exposure. We recommend that first you seek any medical care that you need to heal from the injuries. Often, your first thought or fear is that your dog might have to be given up. Chinese Chow Chows and Boxers top the list of the dog breeds that require the biggest insurance claims, while Patterdale Terrier and Poodle Cross owners run up the smallest insurance bills. News and World Report indicates that virtually no regular homeowners' insurance company will issue a policy for a house where a German shepherd lives. Dog Bite Liability by Insurance Information Institute, 2019. The person holding the. Just about every state has a clearly-delineated legal rule for pet owner liability arising from dog bites, whether it comes directly from a law passed by legislators, or from decisions handed down by the state’s appellate courts over the years. Ohio's statute, for example, labels pit bulls as a "vicious dog" and requires owners to carry at least $100,000 in personal liability insurance. According to Dog Bite Law, 77% of dog bite victims are related to the dog owner or are a friend. Most insurance companies limit dog bite insurance coverage, restrict certain breeds from coverage, or exclude animal liability coverage altogether. 2 in insurance claims for dog bites.
In December, 2013, The Journal of the American Veterinary Medical Association) published the most comprehensive multifactorial study of dog bite-related fatalities (DBRFs) to be completed since the subject was first studied in the 1970’s. Contact Your Insurance Agent Immediately. In California, it doesn’t matter what kinds of signs you put up. Florida statute states that a dog owner is liable for damages to a person bitten by his dog, either in public or legally on private property -- even the home where the dog resides. Get Answers to Your Dog Bite Questions. Dog owners take note: a lot of what your furry BFF does is actually covered by the liability clauses found in your homeowners insurance policy. It is just the matter of what their owners want them to show, and how well they are trained. Dog bites also can take a big bite out of your wallet or that of your insurer. (San Diego County Code section 62. That means, in most cases at home and outside, your policy will have you covered if your dog bites someone else or damages their property. Each dog is individually underwritten so no specific breed is excluded. The victim of a dog bite injury is entitled to make an injury compensation claim because under Irish law, a dog owner is strictly liable for injuries caused by his or her dog as a result of an attack by it. The Federation of Insured Dog Owners will provide canine liability insurance policies for all breeds of dogs. Most insurance policies note that only bodily injuries to humans are covered by a policy. Steps a dog owner shouldn’t take. If you were attacked by a dog or bit by a dog, there are a few possibilities about who pays your medical bills. But again, I don't know of any standard carriers that would write your homeowners insurance with the dog now that it has a bite history though. There are a catrillion ‘I hate pets in stores’ articles on line. Little dogs bite…many family dogs bite. Leading insurance provider State Farm has compiled a list of statistics detailing the number of dog bite insurance claims it received in 2010.
Generally home insurance covers a homeowner's liability for dog bites. Regardless of the breed of your dog, the state of Washington imposes strict liability laws (RCW 16. Kentucky has a statute, KRS 258. One ‘free bite” meaning the owner cannot be held liable for the first bite as there was no expectation that the dog may harm someone and so they can’t be held liable. Homes with multiple dogs are 5 times more likely to have dog bite incidents Dog Attacks by Breed–From Pit Bulls to Chihuahuas The term “pit bull” is an umbrella term widely used to describe similar but different breeds of dogs. But, that would be wrong, and it could backfire in a big way. But only their owners know that even these dogs have a softer side to them. so only bite of rabid dog can. Dog owners are completely responsible for controlling their dogs at all times. When The Dog Bites. If your dog bites you hard again, yelp again. Because of this, homeowners insurance premiums for those who own dogs are higher than premiums for those who don't, other things being equal. There are no statutes in Missouri (or anywhere in the U. The common argument is that there are “no bad dogs, just bad owners” and “all dogs are capable of inflicting a serious bite”. 11-1025 on liability for dog bites through 11-1027 on provoking a dog. A majority of states hold pet owners liable if a dog causes injury. It would be easy to just not tell an insurer that you have a so-called “aggressive” dog or that your pet has previously bitten someone. If you or a love done have suffered a dog bite, no matter how minor or severe, contact Lundy Law today to learn what rights you may have. “We know that dog bites are not a breed-specific issue and that any dog can bite. When you or a member of your family are legally responsible for injury to others, the liability coverage under your homeowners policy will usually cover the damage and pay for a lawyer to. Dog Bite Owner Has No Insurance.