Sept. 24, 2013 – I woke up this morning to read a tragic story of a 2 year old boy from Colton, California, who was mauled and killed by five pit bull dogs while in the backyard of his uncle’s home. The tragedy of this death extends beyond compare to any grief one could experience. I can only hope the family, in time, can find peace.
This tragic dog attack in the Inland Empire is only one of many which have occurred to children and adults throughout the years as a result of attacks by pit bull dogs. These dogs were originally bred to be vicious fighting dogs. Unfortunately, that trait has not left them. Injuries from these dogs can arise whether the injured victim knew the dog previously or was a complete stranger to the dog. In a moment, the dog can turn on a person and cause serious injuries and damages. Often times, the attack is directed to the face and upper body, thereby causing the worse injuries.
To make matters worse for the victims of these pit bull bite or mauling injuries, many insurance companies are excluding liability insurance coverage for these and other types of dogs which have been known to be aggressive. If you are a homeowner, and you have a dog which might be listed as an aggressive dog, such as a pit bull, rottweiler, German Shepard, Alaska Huskies, etc., you need to make sure your insurance coverage protects you from dog bite claims. More importantly, you need to make sure that your insurance is available to help compensate a victim of your dog’s conduct. In 2009, the average cost for a dog bite injury was nearly $25,000.00. That means that there are many claims that can significantly exceed the average settlement cost. If you do not have insurance coverage, then you can be held personally liable for these losses. If your insurance company will not provide coverage for your dog, then you need to find special insurance coverage for your dog. Talk to your insurance agent and find out where you can get proper insurance coverage.
For a victim of a dog bite or attack, you should seek immediate medical attention to minimize the physical and emotional impact and scarring which follows a dog attack. Also, seek immediately legal representation to help you deal with the legal issues that arise and to secure the best financial recovery possible following the injury.