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          Dog Bite Liability

Each year, dogs bite more than 4.5 million people in the United States, and more than 800,000 of them require some form of medical attention. The Centers for Disease Control reports that children are at greater risk of injury and death from dog bites, especially boys, ages 5 to 9.

Dog attacks now account for one-third of all liability claims on homeowner's insurance policies. In most states, the victim need only prove that the dog caused the injury for the owner to be held liable. There are no states that mandate that an insurance company must insure a homeowner who has a dog. However, most companies do, unless the dog has displayed aggression.

Most homeowners and renters insurance policies provide $100,000 to $300,000 coverage for liability claims. If a claim exceeds the policy limit, the homeowner is responsible for all costs above the limit, including legal expenses.

There are steps dog owners can take to prevent dog bites. IINC recommends the following:

• Spay or neuter your dog. Non-neutered dogs are three times more likely to bite than neutered ones.
• Socialize your dog. Introduce your dog to different types of people and situations so the dog isn't nervous or frightened around strangers.
• Train your dog. Accompany your dog to training class. Never send your dog away to be trained.
• Teach your dog appropriate behavior. Don't play aggressive games like "wrestling" or "tug of war." Instead play "fetch" or some type of non-threatening activity.
• Be a responsible owner. Don't allow your dog to roam. Register your dog and keep him or her up to date on shots. Spend time with your dog. Dogs who spend a lot of time alone or chained up often become dangerous.
• Keep in mind that 70 percent of dog bites occur on the property of the dog owners. Monitor any visitors and their interaction with your dog.

Whether you own a dog or not, the chances of coming into contact with one is almost guaranteed. Learning about and teaching your children the proper way to act around a dog can help prevent being bitten.

• Never approach a strange dog, especially one that's tied up or behind a fence.
• Never turn your back and run from a dog. A dog's natural instinct is to chase you.
• Don't disturb a dog while it is sleeping, eating or chewing.
• Always assume a dog that doesn't know you will see you as an intruder or threat and act appropriately.
• Don't tease or chase dogs. This is especially important for children.

If a dog bite occurs, don't panic and lay still until the dog retreats. Immediately wash the wound thoroughly with soap and warm water. If necessary, contact your doctor for additional care and advice. It is also important to report the bite to your local animal care control agency because once a dog bites, it is likely to bite again.

ADDITIONAL RESOURCES
American Society for the Prevention of Cruelty to Animals
Centers for Disease Control