Will my Homeowner's Insurance cover this? (dog bite related)

Asked almost 3 years ago - Boynton Beach, FL

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My dog bit another dog while I was leashing her up to walk her. I had just got the leash on and she saw this dog approaching with her owner. She bolted and reached the dog before I could grab the leash. She inflicted 2 puncture wounds. I reached her and she let go of the dog, but the lady tripped and fell on her rear. This occurred in the street in front of my property.

I paid for the vet's bill; the injuries were not severe.

I just received notice from a lawyer that the woman is pursuing a case based on personal injuries to her. I am assuming back injuries, since she was not bitten. Is it likely that my homeowner's insurance company will cover this?

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Attorney answers (5)

  1. Licensed in FL

    Pro

    Delray Beach Personal Injury Lawyer
    Contributor Level 11

    1

    Lawyer agrees

    1

    Helpful vote

    Answered August 10, 2010 10:27. You have to read your insurance policy. Many homeowners insurance policies EXCLUDE animal bites. Definitely call your insurance company and put them on notice.

  2. Licensed in FL

    Pro

    West Palm Beach Personal Injury Lawyer
    Contributor Level 14

    2

    Helpful votes

    Answered August 10, 2010 07:10. Just like the other lawyers instructed, notify your insurance company immediately. If they are going to cover you, they will assign a claims adjuster. If you are not covered by your insurance seek an attorney in your area immediately. Good luck.

  3. Licensed in FL

    Jupiter Personal Injury Lawyer
    Contributor Level 15

    1

    Helpful vote

    Answered August 10, 2010 11:42. Your insurance policy will control, read it carefully. In Florida, many homeowner policies exclude dog bites; you have to buy a rider if you want coverage. In many Florida counties, such an event is enough to have your dog declared a dangerous dog.

  4. Mankato Personal Injury Lawyer
    Contributor Level 9

    2

    Helpful votes

    Answered August 09, 2010 12:37. Yes, normally your homeowners policy will pay any damages associated with this claim including the medical bills. Provide any letters or suit papers to your insurance comapny immediately.

  5. Bolingbrook Trademark Application Attorney
    Contributor Level 20

    1

    Helpful vote

    Answered August 10, 2010 05:47. Probably - you should notify your insurance company immediately.

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