I would strongly suggest contacting an attorney. Your daughter is entitled to compensation as the result of the dog attack.
Your daughter can seek two forms of compensation - economic damages (the cost of her medical care) and non-economic damages (a monetary amount designed to compensate her for her pain, suffering, and mental harm).
Economic damages are available under a 'strict liability' theory. Non-economic damages are available, but the plaintiff must show the viciousness of the dog and the defendant's knowledge of the dog's viciousness.
For an overview of Ohio's dog-attack legislation, you can read my legal guide here: http://www.avvo.com/legal-guides/ugc/ohio-dog-bite-ruling-allows-for-non-economic-punitive-damages
Disclaimer: This does not constitute legal advice. No attorney-client relationship has been formed through this answer.
Yes, the homeowner insurance will cover. 1/3 of all homeowners claims are from dog bites. Make sure you retain a personal injury lawyer will a low fee, less than 30%, so you are left with the lion's share of the settlement. You can read about dog bite cases on my website as well as the section on scarring for more information.
Licensed in PA & NJ. 29% Contingency Fee. Phone: 215-510-6755 www.InjuryLawyerPhiladelphia.com
Recovery is POSSIBLE, however, this may be fact specific. The child is 6, a Scottish terrier is what 20 pounds and maybe a foot high. To be clawed in the face, it may become a question of fact...was the child playing with the dog, at face level with the dog...what factually happened. You say she was "attacked". Was there witnesses to the entire event ? Is it possible she was teasing the dog. The dog did not bite her, this may have been a mere accident. Does the dog have a history ? I do not know what factually happened.
Understand this may still be handled under strict liability and you may automatically get recovery how ever I would not anticipate much more then your medical bills being paid here, and possibly a few dollars for pain and suffering. You are speaking a lot about the now fear of dogs and how her behavior has changed. I question if that is really a "harm" or "injury" or if it is even recoverable.
I would still consult an attorney as i imagine the relative has homeowners insurance. You should recover something, but I would substantially lower your expectations as to how much that will be. Based on my experience, depending on who the insurance company is, I would estimate $1500 recovery, with counsel taking 1/3 of that.
The above information is not, nor intend to be, legal advice. You SHOULD consult an attorney for specific advice regarding your individual situation. Based on this response no attorney-client relationship has been formed. If your matter is in Cuyahoga County or surrounding counties, we invite you to contact us. Please visit our website at www.kirnerandboldt.com. Contacting us does not create an attorney-client relationship. Please do not send any confidential information until such time and attorney-client relationship is formed. Attorneys in this firm are only licensed to practice in the state of Ohio and have no specific information as to the laws and rules of other states and none of the information provided is intended to be applied to the laws of other states.
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