Insurance Companies Fed Up With Insuring Dangerous Dogs

July 19, 2012

Dog Bites

Dog bite claims make up a third of all homeowner claims, almost $413 million in 2010. With the financial risk so high, some insurance companies have had enough. While homeowner policies in the past generally have covered dog bites, and most still do, there are companies who are adding in clauses that may not cover your particular Fido or Spot.

High Risk Breeds

So what dogs are on the “naughty” list? That will depend on the insurance carrier as the list varies for each. It is important to note that these are not the dogs that bite the most often. Smaller breeds like Jack Russell Terriers actually bite more frequently than many of the “high-risk dogs”. What the insurance companies are concerned with is the dogs that can cause the most damage the most often. The top eight breeds that tend to make some or all the of the insurance companies lists are:

  • Pit Bulls
  • Rottweilers
  • Wolf Hybrids
  • Chow Chows
  • Akitas
  • Doberman Pinschers
  • German Shepards
  • Presa/Dogo Carnios

According to dogbites.org research, pit bulls and rottweilers make up 74% of the fatal dog bites between 2005 and 2011. Pit bulls had more than double the amount of fatal attacks of rottweilers, making them the number one target on any insurance companies list.

The Insurance Information Institute in Washington, D.C. analysis for 2009 on dog bites had the average cost per homeowner claim at $24,840. With 16,586 reported that year, rising in both average cost and total claims from 2008, it is easy to see why insurance claims are kicking the pooches out of the policies.

Insurance Options

If you have a “high-risk” breed, just not telling your insurance company is not an option if you want to have coverage if your dog should bite someone. If the insurance company does have a clause not covering certain breeds, they may not pay a claim for your do when you did not disclose your ownership. Keep in mind even the best well-trained dog can bite when frightened or if it feels threatened.

Most companies will work with you if your dog has not had a history of biting. You might be able to sign a waiver, show that your dog has went through obedience class, or pay a higher premium to have them covered. The insurance companies want your business; they just do not want to take what they perceive as a large risk as a client.

Your best option if you are looking for a new dog is to find out first what your insurance companies policy is and go from there. You may be able to find a happy medium in a dog they will cover and your family will love.

The above article was written by Rosenfeld Injury Lawyers. You can learn more about their work by visiting their site Chicago Dog Bite Injury Lawyers.

Resources:

http://articles.chicagotribune.com/2012-03-16/classified/sc-cons-0315-insurance-dogs-20120316_1_dog-bites-homeowners-insurance-liability-claims-dog-breed

http://www.dogsbite.org/dangerous-dogs.php

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About slaterzurz

Slater & Zurz LLP is an Ohio law firm of highly experienced and respected attorneys. Over the last 40 years, we have developed a reputation for getting positive results for clients. We've been trusted with handling over 20,000 personal injury cases and our clients have received more than $120,000,000.

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5 Comments on “Insurance Companies Fed Up With Insuring Dangerous Dogs”

  1. army solicitors Says:

    yes you are right because the insurance companies feed up of these dogs when they fighting then then become injured and have to pay a huge payment.

    Reply

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