Dog Bites:
The $1 Billion Problem
While dogs are often referred to as man's best friend, with one bite they can become a physical and financial enemy.
In 1998, there were more than 4.7 million dog-bite injuries, and more than half of the victims were children.
Dog attacks account for one-third of all liability claims on homeowners' insurance policies.
And, according to the Western Insurance Information Service, the insurance industry paid out more than $1 billion in dog-bite claims in 1998 alone. WIIS has information to help dog owners understand that choosing and training a pet properly is vital in preventing costly insurance claims.
Dog-Bite Liability:
Homeowners are financially liable for dog bites. Most homeowners and renters policies provide $100,000 to $300,000 in coverage for liability claims.
However, anything over the policy limit is the homeowner's responsibility.
Once a dog has bitten someone, it poses an increased bite risk.
A survey among insurance companies showed that 70 percent of insurers would not renew a homeowner's policy after one dog bite.
To increase home security, consider buying an alarm system rather than a dog. It may qualify for an insurance discount.
Preventing Bites:
Carefully consider dog breeds before selecting a pet. Consult a veterinarian for advice.
Introduce new dogs slowly to new "social" situations. Never put a dog in a position where it feels threatened.
Have the dog spayed or neutered.
Unneutered dogs are three times more likely to bite than neutered dogs.
Do not run past a dog or disturb it while it is eating, sleeping or caring for puppies.
Play nonaggressive games with dogs such as "fetch." Playing aggressive games can encourage inappropriate behavior.
Never approach a dog you don't know, and avoid teasing or eye contact with a dog that appears threatening.
All parents - even those without family pets - should teach their children to be careful around animals.
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