A dog attack can result in serious injuries that require expensive medical care, in addition to causing lost wages and property damage. In Texas, it is possible to recover financial compensation for a dog bite injury if someone is found liable or at fault. One or more different types of insurance policies could potentially cover a dog bite injury in Texas, depending on the circumstances. A San Antonio dog bite lawyer is here to guide you through any difficult times.
Does Insurance Cover a Dog Attack?
Yes, insurance can cover a dog attack in Texas. An insurance corporation can step in to cover a victim’s financial losses in connection with a dog attack, which may be significant. However, the dog owner or another defendant must have the correct type of coverage and the insurance company must accept the claim.
The following types of insurance typically offer coverage for dog bite incidents:
- Property insurance: an insurance policy such as homeowners insurance or commercial property insurance can cover injuries and damage caused by the policyholder’s pets, as pets are considered property in Texas. This coverage will typically apply even if the dog attack occurred off the person’s property.
- Renters insurance: like property insurance, renters insurance for a rental property can cover medical bills and legal costs associated with a dog attack that occurs within a rental unit, such as in an apartment building.
- Medical payment (MedPay) coverage: many insurance policies, including automobile insurance policies, offer medical payment coverage. This is a type of coverage that can pay for medical expenses without having to prove fault. However, the limits on these policies are typically low and will not cover full medical costs after a serious dog attack.
There may also be coverage available from umbrella policies, excess liability policies, homeowners association policies and health insurance for a dog bite victim’s bills and losses. The types and amounts of insurance accessible will depend on the circumstances.
Whose Insurance Pays for a Dog Bite Injury in Texas?
Texas uses a “one bite” rule when it comes to determining liability for a dog bite injury. Under this rule, there must be evidence that the dog had bitten or hurt someone previously. This would create a duty of care for the pet owner to prevent future such incidents. Only then could the pet owner be held accountable for a subsequent dog attack.
It is also possible to hold a pet owner responsible for a dog bite injury that involves the owner’s negligence. Examples include a pet owner unlawfully allowing a dog to run at large in a public place or failing to properly restrain a known dangerous dog.
Most dog bite cases in Texas name the pet owner as the liable party. However, it may also be possible to access the insurance of a property owner, landlord, doggy daycare or pet sitter, depending on the situation. A dog bite injury lawyer can investigate your unique case to help you understand all of your recovery options.
How to File an Insurance Claim After a Dog Attack in Texas
If you get hurt in a dog bite attack, the most effective way to seek fair financial compensation is to hire an experienced and qualified personal injury attorney in San Antonio to represent you. An attorney can guide you through the claims process to maximize your financial recovery, including investigating the incident, identifying all liable parties, exploring all of your options for insurance coverage and dealing with insurance companies on your behalf.