Dog bite victims’ lawyers (like me) have noticed a disturbing trend in recent years: Severe dog bite injuries are growing while insurance coverage for them is shrinking. Why? Two intersecting trends are the root cause:
Trend number 1: Dogs are getting meaner, and meaner. The percentage of new dogs that are pit-bull types (included mixes) has been growing. Pit bulls are now the fifth most popular dog to own, and that number is growing. They account for about 20% of dogs in the USA. The meaner dogs get, the more likely it is for you or your loved ones to become victims.
Trend number 2: More and more homeowner insurance companies are sneaking “dog-attack/bite” exclusions in their policies. Some of the carriers simply refuse to provide any coverage at all for dog-attack injuries. Others exclude only certain breeds – those considered most aggressive – including bit bulls, German shepherds and Doberman pinschers. The dog owner usually discovers the exclusion only after their dog has done the deed.