Dog Bite

There are two types of insurance which apply and they are discussed below:

1. MedPay insurance
2. Liability insurance

Med Pay Benefits

Med pay benefits are designed to provide some temporary relief and/or pay the medical bills. MedPay benefits are typically offered in the amounts of $1000.00 up to $5000.00. Often your medical providers will ask who owned the dog and where they live. Your medical providers ask so that they can submit your bills under MedPay coverage.

Liability Insurance

The second type of insurance that applies is liability insurance, commonly referred to as “Homeowners Insurance.” In order to successfully have your claims paid, you must prove all of the following:

                     1. Who owned the dog?
                     2. That the dog harmed you, and
                     3. What amount of money will fairly
compensate you for your injuries?

Your damages include medical expenses, lost wages, as well as future medical expenses that are properly documented. For example, many people have their scars repaired years after the initial injury.
The expenses associated with this future care need to be paid for by the dog owner’s insurance company when you settle your claim, not when the surgery is acutally performed. You may also receive money for “pain and suffering” or what I call “human costs.”

Our team will be happy to discuss your case with your free of charge. Call today for a free consultation.

Prepared by Bradley C. Harr, PC