The Florida is a strict liability state. By state law, a dog owner is strictly liable if their dog bites someone. Other states have what is a bite rule, which does not impose liability on dog owners not known until after they know the dog has bitten someone in the past. While Florida is "strict liability statute holds the dog owner's responsibility to find adequate insurance coverage for damage caused the animal to compensate for moreChallenge.
Homeowner insurance companies are aware of the financial burden caused by dog bites. In 2006 it was reported that the average dog bite cost about $ 22,000 nationwide. This figure has been steadily increasing over the years, while the number of dog bites is even declining. Homeowner insurance companies constantly examine, as a minimum to limit their claims exposure. Some companies have begun to write their policies with certain exceptions for injuries caused by tooDog bites. A policy with such an exclusion would cause the owner no coverage for damage caused by a dog they own, regardless of race. Other companies write specific exemptions for certain types of races, for example, they can insure a poodle, but not a pit bull. Remains the owner for the injuries and damages caused by their dog, regardless of whether it is covered by the insurance of their household insurance. Unfortunately, many dog owners do not have sufficient assets to payDamage caused by their dog in the absence of adequate homeowners insurance coverage. If there is no insurance available or insufficient insurance to pay your attorney should discuss the conduct of an investigation into the assets of the dog owners to their ability to assess any possible damage cost.
A typical Florida homeowner policies include at least $ 100,000 in bodily injury coverage. This may be enough to cover the injuries and damages suffered in many cases to dog bite. In moresevere cases must be examined whether the homeowner also carried an umbrella policy, the additional higher level of coverage. In cases where a homeowner since he is not covered by insurance, the typical Florida policy would also have to pay $ 1,000 in medical payments coverage, the bill for medical services. All payments on medical payments coverage would be made after the general part of the political responsibility of the owner and would not usually offered until allmedical treatment was completed as a comprehensive settlement of the claim.
Note that bites a dog can also be insured under a commercial liability. The dog is from a commercial enterprise owned or held on the premises. Operating policies generally have much higher limits of liability insurance. Many of them have higher medical coverage and payments, although it will find more and more common, no medical payments coverage on many management policies.
WhenA child was bitten by a dog, should the incident to the police and Animal Control reported in the county in which the incident occurred. They are conducting an investigation and a report on its findings. Animal Control checks whether the animal had the necessary vaccinations. A period of quarantine the animal, if the animal vaccination record can not be verified. This does not appear in cases where the owner and the dog are well known to you is necessary.In cases where the dog's owner is not known, it allows the investigation process to identify and question the owner without having to participate directly. The identity of the owner is very important to know the address to see if they at home or the store where the attack to have committed and to determine the identity of their insurance carrier. This is an important source of information in order to pursue a claim for compensation and should be preservedwhether the authorities in an investigation or not.
Dog bites often relates to a unique medical treatment, especially with small children.
If you have a child who has injured by a dog, you must start the answers to your questions before talking to a claims adjuster.
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