If you were recently bitten by a dog, you may be looking at big expenses related to the bite. It’s common for dog bite victims to need extensive medical care for complications ranging from bleeding and infection to nerve damage and pain. Some victims may even be hospitalized for days, while others may become temporarily or permanently disabled.
The expenses you’re facing can push you towards filing a compensation claim, but you may be worried about who or what will pay for your damages—especially if the dog owner is a friend, family member, or even a stranger you don’t want to burden. Thankfully, many dog bites are covered by homeowner’s insurance policies.
Although these policies are created to cover home-related expenses, they also cover many aspects of life that go beyond domestic life, including dog bites that happen on or off the policyholders’ property. That means that if you get bitten by a dog while walking through your neighborhood or at a park, there’s a good chance the dog owner’s homeowner’s insurance will kick in if you file an injury claim.
But what if the dog owner doesn’t have homeowner’s insurance? In this case, you may be eligible to claim compensation through their animal insurance if the owner has purchased it. If they haven’t, you can still file an injury claim, but it will likely be paid from the dog owner’s pocket. It’s common for bite victims to feel bad about doing so, but when they don’t pursue compensation, they have to bear the burden of those costs alone for a bite that wasn’t their fault!