Dogs have been close and beloved companions for thousands of years. But even the most docile and domesticated dogs can bite—often without provocation or a history of aggression. Regardless of size or breed, all dogs have sharp teeth and powerful jaws. When they bite, victims may bleed profusely, experience muscle and tendon damage, and even lose sensation in and use of the affected body part.
Most people have a very favorable opinion of dogs, and when they get bitten, it may be by a dog owned by a neighbor, family member, or friend. Even if the dog is owned by a stranger, they may still be reluctant to report the bite or file a compensation claim, as they don’t want anything to happen to the dog or owner.
But because dog bites are so serious, victims often need expensive medical treatments. They may be hospitalized for days, especially if they suffer from widespread infection or nerve damage. Some victims may even require hospitalization and physical rehabilitation to regain function in their fingers, hands, or feet. The cost of those treatments can quickly overwhelm many people’s savings, even if they have health insurance.
That’s why filing a dog bite injury claim, regardless of who owns the dog, is a good idea. In most cases, dog bite claims are paid by renters insurance or homeowners insurance and not out of the dog owner’s pocket. Insurance policies like those exist for a reason, and it’s to protect injured victims and dog owners from undue financial difficulties.