If your dog bites someone there are steps you need to take to protect yourself legally and financially. When your dog bites someone it can become a serious and potentially expensive situation very quickly. This article will guide you on the steps you need to take in the event your dog bites someone.
Things You Will NeedTo closely follow the steps listed in this article in the event that your dog bites someone.
Step 1The first step to protecting yourself if your dog bites someone is to verify that your home owners insurance company knows that you have a dog, and they know what breed it is. If your home owners insurance company has not been told you have a dog, and your dog bites someone, there is a chance your insurance company may not cover you. The reason for this is that almost every insurance company has a list of dogs that if they are living in the home, the insurance company will not accept the policy. So if you have a breed of dog that they will not insure, and your dog bites someone, and then the insurance company finds out after the fact that you have this dog, they can deny the claim. When you get a dog immediately call your home owners insurance company so they know you have a dog, it is an acceptable breed, and they will cover you in the event the dog bites someone.
Step 2The second step if your dog bites someone is to not admit guilt if the police are called to your house after your dog bit someone. You are not going to lie or do anything wrong, just when the police ask you about what happened you are just going to politely say you are not going to comment on the situation at this time because you want to be sure you have all the facts. The reason for this is that your dog may have been provoked(or there could have been other extenuating circumstances) and you didn't see it, and if you admit guilt then it will be in the police report which will be used against you if the case goes to court. Politely tell the police you have no comment on the situation.
Step 3The third step to protecting yourself if your dog bites someone is to call your home owners insurance company immediately after the event took place. Your home owners insurance company will get you an attorney(at their expense) and they will pay any civil judgement placed against you up to the limits of your personal liability on your home owners insurance policy.