Who Pays After a Dog Attack and Why It’s Not Always the Owner

When dealing with dog attacks, it can be confusing to determine who is at fault. Usually, insurance companies cover the costs, but sometimes the dog owner or other parties might have to pay. Different states have different rules about who is liable. 

St. George, Utah, is a growing community renowned for its beautiful red rock landscapes and welcoming atmosphere. With an increasing population, the area also sees a rise in cases involving personal injuries, such as dog bites. 

If you encounter a situation involving a dog attack in this region, it’s essential to get legal assistance promptly. For expert guidance, reach out to the top-rated dog bite lawyer from We Win Injury Law, who understands local laws and can help you get the compensation you deserve.

Understanding Liability in Dog Attack Cases

In dog attack cases, liability means who is responsible for the harm. Two main rules apply in the United States. Strict liability means the owner is typically responsible for injuries, even if the dog has never shown signs of aggression before. 

Some states use the negligence standard, where the victim must prove that the owner failed to act with reasonable care to prevent the attack. Most states now follow strict liability. Every state may have different details, but the primary goal is to protect victims and hold owners or those in control of the dog responsible for any resulting damages.

Insurance: The Most Common Payer

Insurance is the most common method for paying dog bite claims. Most homeowners’ and renters’ insurance policies cover dog bite injuries under their liability section. This means they can pay for medical bills, legal fees, and other costs, usually up to a limit of $100,000–$300,000.

If a claim exceeds this amount, the dog owner may be required to pay the remainder. Some insurance companies will not cover certain dog breeds or may refuse coverage if your dog has bitten someone before. Repeat incidents or specific breeds often lead to policy exclusions or higher premiums. If you need help after a dog attack, talking to a dog bite lawyer can make a big difference.

When the Dog Owner Pays Out of Pocket

Dog owners may have to pay for damages and injuries themselves in certain situations:

• No Insurance Coverage: If the owner has no homeowners or renters’ insurance, or if their insurance does not cover dog bites, they must pay out of pocket.
• Policy Exclusions or Lapsed Policies: If the insurance policy excludes certain breeds, has lapsed, or specifically does not cover dog bites, the owner will be responsible for all costs.
• Claims Exceed Policy Limits: If the cost of the dog bite injury is higher than the insurance policy limits, the owner must pay the remaining amount themselves.

These situations can result in significant personal expenses for the dog owner.

Other Parties Who May Be Liable

Sometimes, individuals other than the dog’s owner can be held responsible for a dog attack. If someone is taking care of the dog, such as a dog sitter, walker, or friend, they may be liable if they were in control during the incident. Landlords, business owners, or property managers may also be liable if they are aware of a dangerous dog and fail to take action to protect others. 

Conclusion

Understanding who pays after a dog attack can help you take the proper steps if you are ever involved. If you need help, getting advice from a legal professional can help you get the support and compensation you deserve after a dog attack.