CAN I MAKE HOMEOWNERS CLAIM IF I WAS BIT BY MY FAMILY’S DOG?
The answer to this question depends mostly on whether or not you live in your family’s house. Must homeowners’ insurance policies will exclude a claim by one resident of the household against another. However, if you do not live at the home and a dog owned by your relative or family member his bitten or attacked you, you can be compensated for the injury by the dog owner’s homeowners’ insurance. Our lawyers handle cases every year where a dog bites or attacks a visiting family member. Sometimes it is a grown son or daughter visiting their parents, sometimes is a grandchild, sometimes it is a parent at their child’s house. Whatever the situation, if the dog attack is serious, homeowners insurance may be available.
The law in Minnesota is very strict as to holding the dog owner liable for any injury caused by the dog. It may initially seem uncomfortable to bring a claim against your own family member, but we have done it many times for people without a problem and without causing any family conflict. The important thing is that the responsible dog owner wants to provide compensation for any person who was injured by their dog, especially a family member. There will be immediate medical bills, and possibly future medical bills to repair scars, etc. That is the purpose of having homeowners insurance. Who better to help than your own family?
Here is the Minnesota law regarding dog bite:
347.22 DAMAGES, OWNER LIABLE.
If a dog, without provocation, attacks or injures any person who is acting peaceably in any place where the person may lawfully be, the owner of the dog is liable in damages to the person so attacked or injured to the full amount of the injury sustained. The term “owner” includes any person harboring or keeping a dog but the owner shall be primarily liable. The term “dog” includes both male and female of the canine species.
Pam Rochlin and David Rochlin are personal injury lawyers in MN with 25 years’ experience helping hundreds of people get full and fair compensation for their injuries after a dog attack and other accidents. Every year, our lawyers represent children, workers and others bitten by a dog or attacked and injured by a dog in Minnesota. An experienced dog bite attorney is important to help deal with complicated medical and homeowners insurance issues, and to make sure you are fully compensated for the injury, including scars and future treatment. When you call our office, a dog bite lawyer will explain the homeowners insurance to you, and whether you can sue or make a claim, even if the dog is owned by your family member. If you have been bitten by a dog or injured by a dog in Minnesota and would like to speak with a lawyer, you can meet us at our offices in Edina, Minneapolis, St. Louis Park, or Woodbury. One of our top dog bite lawyers can also meet you at your home in St. Paul Minnesota, Roseville, Forest Lake, Roseville MN, Brooklyn Park, Brooklyn Center, Lino Lakes, Anoka MN, Maple Grove, Plymouth, Rogers, Chanhassen, Chaska, Apple Valley, Richfield MN, Bloomington Minnesota, Lakeville, Burnsville, and other cities throughout Minnesota. We will provide you with a free consultation, we will answer your questions about a homeowner’s insurance claim for a dog bite, and we never charge anything unless you are compensated for your injury.