If someone gets bitten by a dog and seeks compensation for medical expenses and damages, the easiest path they can take is to file a claim that an insurance company pays out. The insurance can be based on a renter or homeowner policy, and the policy typically has liability coverage and limits on paid expenses. Furthermore, dog bite injuries are more common in Ohio than you may think, and they’re costly.
Prevalence of Dog Bites
Almost half of all households in the U.S. have at least one dog, which is one out of over 83 million in the country. In Ohio, about 75% of all animal bites come from dogs. Besides the apparent physical injuries like lacerations and tissue damage, dog bites can transmit diseases that can develop into serious infections.
Dog Bites Cost a Lot
In 2022, the average insurance claim for a dog bite was over $64,000. That same year, insurance companies paid out $1.15 billion in damages. Moreover, Ohio has a “strict liability” rule that makes dog owners liable for dog bites regardless of how much they know about their animals’ aggression. The implication is that if your dog attacks someone, you can expect your insurance policy to have to pay out and your future rates in increase.
These insurance costs account for several types of expenses:
- Medical treatments
- Prescription medications
- Lost income and benefits
- Reduced work capacity
- Out-of-pocket expenses
- Proper damage
- Pain and suffering
- Ongoing medical care
Responsible Dog Ownership
Dog bite attorneys in Ohio are all too familiar with the influx of injuries relating to canine attacks. As a dog owner, you can reduce the risk of attacks and subsequent suffering by following these prevention tips:
- Be selective in the type of dog you adopt. Make sure it’s suitable for your family and neighborhood.
- Train your dog to follow basic commands.
- Use a leash when taking your dog out in public.
- Socialize your dog so that it’s comfortable around other dogs and people.
- Be aware of situations that make your dog uncomfortable or aggressive.
- Keep your dog healthy and immunize them against infections like rabies that could make them hostile.
Responsible dog ownership includes being familiar with state and local laws regarding dog ownership. If you have questions or are facing a potential personal injury case, contact the accident injury lawyers at Clements, Taylor, Butkovich & Cohen LPA, Co. today.