BIT OR ATTACKED BY DOG MN ATTORNEYS – HOMEOWNERS INSURANCE
A dog owner in Minnesota is liable for any injury caused by their pet. In some states, there is only liability if the owner knew the dog had a tendency to bite. However, other states, including Minnesota, have laws making the owners liable whether or not the dog had bitten someone before. Some states and municipalities have “breed specific” statutes that identify breeds such as pit bulls as dangerous. In Minnesota, individual dogs can be designated as vicious.
At least two states have laws that prohibit insurers from canceling or denying coverage to the owners of particular dog breeds. In Ohio, for example, owners of dogs that have been classified as vicious are required to purchase at least $100,000 of liability insurance. The American Kennel Club reports that many municipalities have enacted bans on specific breeds. However, several states have laws barring municipalities and counties from targeting individual breeds. Our top rated dog bite lawyers in MN have represented many people bitten by dogs of all kinds.
The injury lawyers at our firm have seen the terrible damage that can be done to a person bit by a dog or because of a dog attack. This is why it is so important that MN holds the owner liable. After a dog bite or dog attack, there can be significant medical bills and bad scarring that requires future plastic surgery. It makes the most sense that the dog owner should be responsible and pay these expenses rather than the person who was bit or attacked. Our Minnesota lawyers make sure that our clients get the compensation they need and are entitled to from the dog owner’s insurance.
Dog Owners’ Liability: There are three kinds of law around the county that impose liability on dog owners:
1) A dog-bite statute: where the dog owner is automatically liable for any injury or property damage the dog causes without provocation. This is the law in Minnesota that our dog bite lawyers use every day.
2) The one-bite rule: where the dog owner is responsible for an injury caused by a dog if the owner knew the dog was likely to cause that type of injury—the victim must prove the owner knew the dog was dangerous.
3) Negligence laws: where the dog owner is liable if the injury occurred because the dog owner was unreasonably careless (negligent) in controlling the dog.
Insurers are Limiting their Exposure For Dog Bite Cases:
Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim for being injured because of a dog exceeds the insurance limit, the dog owner is responsible for all damages above that amount. Some insurers do not ask the breed of a dog owned when writing or renewing homeowners insurance and do not track the breed of dogs involved in dog bite incidents. However, once a dog has bitten someone, it poses an increased risk to bite again. In that instance, the homeowners insurance company may charge a higher premium, nonrenew the insurance policy or exclude the dog from coverage.
Some insurers are taking steps to limit their exposure to dog bite losses. For example, they may require dog owners to sign liability waivers for dog bites. There are also some insurance companies that charge more for owners of breeds such as Pit Bulls and Rottweilers. Sometimes the homeowners insurance company will cover a pet if the owner takes the dog to classes aimed at modifying its behavior, or if the dog is restrained with a muzzle, chain or cage.
DOG BITE LAWYERS
If you have been attacked by a dog or sustained a dog bite, call us and speak with one of our experienced MN dog bite lawyers for a free consultation. Our best dog bite lawyers have more than 25 years’ experience representing hundreds of people in injury cases throughout Minnesota. A top MN dog bite lawyer will make sure your rights are protected and you get the compensation you need and are entitled to.