How to File an Insurance Claim for a Dog Bite

Updated 08/14/2023 / On 

For common dog bite injuries, it is recommended to file an insurance personal injury claim promptly. Use your health insurance or the dog owner's homeowner's insurance. Bite victims should get medical attention and treatment and keep records. File a police report for documentation.

Contact the negligent dog owner's homeowner's insurance adjuster and provide information to file a claim. They will investigate and decide if they cover expenses. If denied, consider a bite lawsuit for punitive damages. Follow these steps for compensation for your dog bite injury.

Illinois dog bite attorney Chris Ktenas

Get help from an experienced Chicago dog bite attorney at Ktenas Injury. Call us today at (312) 300-2515 to schedule a free consultation.

Reasons to File an Insurance Claim for a Dog Bite

When a person is injured by a dog bite, filing an injury insurance claim is crucial. Dog bites can cause significant physical and emotional harm, with high medical treatment costs. By filing a claim, the injured person can receive financial support from the liable parties for these expenses.

Filing an insurance claim is also important for protecting against potential legal fees if the pet owner sues. It ensures animal control accountability and proper compensation for the victim. Additionally, filing a claim can help with reporting the incident accurately.

Understanding Your Insurance Policy

Before filing an initial claim for a dog bite, it is important to understand your renters' insurance policy. Coverage and exclusions for animal-related injuries can differ between policies. Review your policy to determine what is covered and what is not.

an insurance policy and assorted items on a desk

Take the time to familiarize yourself with the injury claim filing process and any deadlines that may be associated with it. By knowing the specifics of your policy such as costs per claim, you can ensure that your claim is filed accurately and on schedule. 

Homeowners Insurance and Dog Bites

Homeowners insurance is an umbrella insurance that protects against property damage and liability. If a dog bites you, contact local law enforcement for a police report. The police report is important for filing a claim with the dog owner's insurance agent.

When filing a claim, provide the emergency medical costs, the police department report, medical records, bills, and incident photos. 

How Liability Affects Insurance Coverage for Dog Bites

Dog owners may be held responsible for any harm caused by their pets. In certain situations, the owner remains accountable even if the bite was unintentionally caused and must take precautions to prevent future incidents.

Health Insurance Coverage for Dog Bites

The coverage of health insurance for dog bites can vary depending on the specific policy. Generally, most policies provide coverage for medical expenses related to dog bites, such as emergency room visits, doctor and hospital bills, and necessary medication. However, it is important to consider that different plans may have different deductibles or maximum coverage limits.

How an Attorney Helps With a Dog Bite Claim

If you are bitten by a dog, hiring a bite attorney is important. A personal injury attorney will protect your rights and help you get the nerve damage compensation you deserve. Filing an insurance claim for a dog bite can be complex and time-consuming, so having legal representation from a personal injury law firm is crucial.

When selecting a lawyer, consider their experience with similar injury cases and their knowledge of the dog bite laws in Illinois. Dog bite lawyers will ensure that your rights are safeguarded throughout the process.

Determining Strict Liability or Contributory Negligence in a Dog Bite Case

Determining the owner's liability in a dog bite case is crucial. Strict liability means the owner is responsible for the dog's actions, regardless of their awareness. Contributory negligence comes into play when someone's carelessness contributes to their injury.

Courts take into account the dog's previous behavior and whether it was provoked. They also consider any warnings given by the owner and whether the victim was trespassing.

Obtaining Fair Compensation for Your Injury Damages

If your dog bites someone, it is necessary to file an insurance claim as liability insurance provides coverage for dog bite claims. To get fair compensation, you need to understand how these policies work. Contact your insurance provider and explain the incident and any medical bills.

Evidence That Helps a Dog Bite Claim

To file an insurance claim for a dog bite, gather evidence to support your case. You need compelling evidence that shows the dog caused the injury. Start by gathering information about the owner and the pet. Note the location of the incident and any witnesses. Take photos of the injury and collect medical bills.

Medical Records of the Victim and Witness Statements

When filing an insurance claim for a dog bite, it is important to obtain the victim's medical records. These records may consist of medical bills, doctor's notes, x-rays, and treatment plans. Surgeries or treatments should also be included. Witness statements can provide helpful information for the claim. 

medical bills, a pen, and stethescope on a desk

Acquiring Documentation of Property Damages Due to the Bite

If your property is damaged by a dog bite, document the damages for your insurance claim. Take steps based on the severity of the bite and damage. Determine the evidence needed. Take photos of the property damage and document repair costs. Include information about emotional distress or financial losses caused by the incident.

Filing Your Insurance Claim

If your pet injures someone, you may need to file an insurance claim for the incident. Filing a claim can be complex, so it's important to understand the necessary steps.

  • Step 1: Contact your insurance company and explain the details, providing any evidence you have.
  • Step 2: After reviewing your claim, the insurance company will send a notification letter and offer a settlement. If you're not satisfied, you can negotiate for a higher amount, providing evidence to support your case.
  • Step 3: Once an agreed settlement is reached, you'll need to sign the settlement to finalize the claim. After signing, you'll receive your payment and the case will be closed.

Filing an insurance claim for a dog bite can be time-consuming. Consider hiring a personal injury lawyer for assistance in understanding your rights and maximizing your compensation for injuries.

Submitting Your Written Notice of Injury to the Responsible Party's Insurer

If you get bitten by a dog, file an applicable insurance claim right away. Dog bites can cause serious damage, so it's important to get compensation quickly. Filing a bite insurance claim for a dog bite injury is simple, but you need all the necessary documents and evidence.

If the bite happened on someone else's property, submit a written notice of injury and potential damages to their insurer. Include details about the incident, like time, date, location, and witnesses. Also include medical bills and expenses related to the bite.

At Ktenas Injury Attorneys our experienced personal injury attorneys can offer legal advice and help you with the insurance claim process. We'll guide you to a fair insurance industry settlement for your dog bite injury. Contact us today at (312) 300-2515 for a free consultation.

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