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Where Does Your Compensation Come From After a Dog Attack?

You are finally safe after being attacked by that strange dog that was wandering through your neighborhood. You’ve sought medical attention, reported the incident, and contacted an attorney, but now you’re wondering how you can pay for those medical bills. So where exactly does your compensation come from?

The Insured

Even though Louisiana has a strict liability statute and the owner is technically liable for damages, the dog owner’s insurance company will most likely pay for the medical bills you’ve incurred. In fact, according to the Insurance Information Institute, more than one-third of homeowner’s insurance claim dollars in 2014 were paid out due to dog-related injuries. Whether it is homeowner’s, renter’s, landlord’s, motor vehicle or other types of insurance, you generally won’t have to pay for your medical bills if the owner is insured.

Insurance usually covers dog attack injury expensesThe Uninsured

Some insurance companies will only pay up to a certain dollar amount or they might only cover certain dog breeds. If you find yourself attacked by a dog that is not covered by the dog owner’s insurance or you go over the dollar limit, don’t panic. In the case that the insurance is inadequate or even non-existent, the owner of the dog is responsible for paying for damages with their own money.

Many dog bite lawsuits will never reach court because the dog owner’s insurance company or the owner will settle them before it reaches that point. Finding an attorney with a background in dog attack cases, whether it reaches court or not, will help ensure you are fully compensated by insurance companies or the dog owner for all your injuries.

This site is intended purely as a resource guide for educational and informational purposes and is not intended to provide specific legal advice. Any information provided on this site should not be used as a substitute for competent legal advice from a professional attorney in your state. The use and receipt of the information offered on this site is not intended to create, nor does it create, an attorney-client relationship. The content of an e-mail sent to Scott T. Gegenheimer Attorney at Law or any of its attorneys will not create an attorney-client relationship and will not be treated as confidential.

When a Dog Bites, Who Pays?


When a Dog Bites, Who Pays?

Highly Experienced Baton Rouge Dog Bite Lawyer

Every year approximately 800,000 people require medical attention for a dog bite injury. Children are the most vulnerable dog bite victims, often sustaining serious head, neck or facial injuries. Many times these injuries result in severe scarring and disfigurement, not to mention emotional trauma from the dog attack. If you or your child has suffered a dog bite injury, you are likely shocked and angry, and rightly so under the circumstances. You also have many questions, the main one being: Who is going to pay for the dog bite injury? Generally, unless there was provocation, particularly if there was trespass, the owner of the dog is responsible. This is because Louisiana dog bite law runs under a strict liability theory.