Homeowners Insurance Covers Dog Bite and Injured By Dog – MN Attorneys
Our lawyers have successfully handled many dog attack cases in Minneapolis MN, St. Paul, and the surrounding cities for people who have been injured by a dog, for example by being knocked down, or suffered a dog bite. Sadly, many dog injury cases involve children being bitten by the neighbor’s dog, usually at the neighbor’s house. Minnesota law makes a dog owner responsible for injuries caused by his or her dog, but it is the homeowners insurance that usually pays the compensation.
Most cases involve a dog that attacked or bit someone. However, in addition to the calls we get where the caller says “a dog bit me,” our attorneys in MN also frequently get calls from people who say “a dog pushed me down or pushed me over” or “a dog tripped me.” If a dog has attacked or bit you, the claim is obvious. But our lawyers have found that people don’t always realize that the dog owner is responsible if the dog injures a person, even if the dog is not intentionally trying to cause injury. For example, our dog attack lawyers have handled cases where a dog knocked someone off of a bicycle and where a dog was trying to get out of a house and pushed someone down a flight of stairs, causing the person to be seriously injured.
Many people believe that a dog owner is responsible for an injury caused by a bite only if the dog has bitten or injured a person before. That is NOT the law in Minnesota. MN law holds an owner responsible the first time a dog bites or a person is injured by a dog. The only defense the owner has is if the victim provoked the attack or was trespassing. Fortunately, most dog owners have homeowner’s insurance or rental insurance that will cover their legal responsibility for their dog’s actions. The homeowners insurance will pay for medical bills, lost wages, fixing the scars if possible, and compensation for pain and suffering and permanent scarring.
Homeowners insurance for a dog bite or for someone injured by a dog pays compensation for the injuries, and also gives piece of mind to the dog owner and homeowner. Many times, the homeowner is a friend or relative of the person that was bitten or injured by the dog, and feels very remorseful about the situation. Having homeowners insurance makes sure the medical bills get paid and that the victim is fairly compensated. Homeowners insurance for a dog bite also brings piece of mind because it protects the homeowner from personal liability. You should also consult with an experienced dog bite lawyer who has settled cases with many different homeowners insurance companies throughout Minnesota. Our attorneys understand the process of an insurance claim for a dog bite or dog attack injury, we know how to make sure you get the best possible settlement, and we can enforce your rights if necessary through a lawsuit.
Statistics show that on average there are 300,000 dog bites per year that require medical treatment. 2010 data shows that 61% of the attacks occur to children (11 years and younger) and 39% occur to adults (12 and older).
Unfortunately, some of the injuries from a dog attack can be quite severe and can include:
- Emotional trauma
- Head injuries.
In 2010, dog attacks caused 33 deaths, 20 of them children. In these tragic instances, the family can file a wrongful death suit against the dog’s owner and the homeowners insurance. Most of the dog bite cases our attorneys have handled involve scarring and nerve damage, but we have also handled dog bite or dog attack cases resulting in many other types of injuries.
If you have been injured by a dog or other animal in Minnesota, call and speak with a top dog bite lawyer at our office so that we can fully explain your rights and discuss your entitlement to fair compensation from the dog owners homeowners insurance. The initial consultation is always free. An experienced dog bite lawyer will help determine if the homeowners insurance covers the injury in your case, and we will make sure you are fully and fairly compensated.
At the Rochlin Law Firm we have 25 years’ experience helping hundreds of people who have been injured by a dog and other types of accidents. Our primary focus is on getting full and fair compensation for our clients. Pam Rochlin is a former partner with Meshbesher and Spence and was the 2015 president of Minnesota Women Lawyers, an organization with over 1300 members. A lawyer will discuss your dog bite or dog attack case with you, explain your rights, and make sure you get fair compensation for your injuries. We have offices in Edina, Minneapolis, St. Louis Park, and Woodbury. A dog bite lawyer from our office can also meet you at your home throughout Minnesota. There is no obligation on your part, the consultation is free, and we never charge anything unless you are compensated.