As a local insurance agent, it is important to understand the liability associated with dog bites. According to the Insurance Information Institute (III), there are around 4.5 million dog bites in the United States each year, and the average liability insurance claim for dog bites is $17,5971. This is why it is crucial for dog owners to have the right insurance coverage to manage the expenses.
Restrictions to Coverage
Homeowners insurance policies usually cover dog bite liability, but it is important to understand the coverage restrictions and when dog bites are covered. The Insurance Information Institute (III) recommends that dog owners should be responsible and take measures to prevent dog bites, such as training their dogs and keeping them on a leash.
What If You Get Bit?
In the event of a dog bite incident, it is important to take immediate action. The victim should seek medical attention, and the dog owner should provide their contact information and insurance details. The dog owner should also report the incident to their insurance company as soon as possible.
Education is Important
As a local insurance agent, it is important to educate dog owners about the risks associated with dog bites and the importance of having the right insurance coverage. It is also important to provide guidance on how to be a responsible dog owner and prevent dog bites from happening in the first place.
In conclusion, dog bite liability is a serious issue that requires attention from both dog owners and insurance agents. Contact your Intelli Choice agent to take the necessary precautions. By having the right insurance coverage, dog owners can protect themselves and their pets from the financial consequences of a dog bite incident.