Insurance and Florida Dog Biting Injuries

Insurance and Florida Dog Biting Injuries

According to Florida Statutes, a dog owner is liable for an attack by their animal that results in the victim being bitten. Owners of dogs shall be liable for any damage done by their dogs to a person or to any animal included in the definitions of “domestic animal” and “livestock” as provided by Florida Statutes, Section 585.01. While there are some exceptions to this general law and rule, the dog owner is typically liable for any dog bite related injuries in the State of Florida.

The pursuit of Florida dog biting cases or dog attacks involves an interpretation of statutes and case law, which is why hiring an attorney can help the dog owner with advice, consultation, and legal representation regarding these matters. Dog owners have a lot of responsibility where their pets are concerned. Proper training can help in keeping pets from viciously attacking guests, and in particular small children, who may be visitors in the animal’s home.

When a dog bites a person, there is often a question or issue as to what insurance is required to remedy the situation. Homeowners insurance will, in most cases, cover the owner, but it could impact their premiums moving forward. Many pet owners purchase a separate dog bite insurance policy specifically designed to handle such matters.

All homeowner’s policies may not offer compensation

First off, if there is dog bite related coverage under the homeowner’s insurance policy, then the carrier should provide compensation for the dog bite victim; however, many home insurance policies in the State of Florida either do not cover dog bite related injuries, or there is an exception or exemption in the Florida home insurance policy for dog bite related injuries.

While there is no statewide requirement in Florida that a dog owner either carry liability, homeowner’s, or renter’s insurance that provides coverage for dog bite related injuries, this is obviously the only way to avoid serious out-of-pocket expenses when an issue arises. The fact is, some counties do not even require any registration or tagging of dogs as a requirement of dog ownership, but this doesn’t absolve an owner of being found guilty or at fault when Florida dog biting occurs.