Dog Bites and Insurance Coverage
I own a small dog weighing under 20 pounds who has bitten before, including once at the vet during treatment for an injury. While he has drawn blood, his size makes it unlikely that he would cause significant harm. His breed is generally not known for aggression, and I’m actively addressing his behavior with a vet behaviorist and a trainer.
I currently hold a home insurance policy with GEICO, but I can’t remember if the application inquired about any previous dog bites. Even if it did, such situations can be subjective since many dogs, particularly puppies, may bite without inflicting serious injury.
Additionally, I have umbrella insurance, which didn’t directly ask about dog biting incidents, but did query whether anyone in my household is aware of any circumstances that could potentially lead to a claim or lawsuit. Again, this seems quite subjective, as countless everyday situations could result in a legitimate claim.
I’ve noticed some skepticism among agents in this forum, so I’m looking for objective advice on how to proceed. I want to ensure I’m adequately protected in case my dog bites someone. While the likelihood of causing serious harm is low, I know that people are quick to sue when given the chance.
It’s great to hear that you’re being proactive about your dog’s behavior and are concerned about your insurance coverage. When it comes to dog bites, the rules can vary widely based on your insurance policy and the specific circumstances surrounding each incident. Here are a few steps you might consider:
Review Your Policies: Take a close look at your GEICO homeowners and umbrella policy documents. Look for any sections that specifically address dog ownership and liability. Some policies may have exclusions for certain breeds or previous bite incidents.
Contact Your Insurance Agent: Reach out to your GEICO representative for clarification on your coverage. Be honest about your dog’s history, as failing to disclose this information could lead to complications if a claim arises. They can provide you with specific guidance based on your situation.
Consider a Dog Liability Policy: If you’re concerned about potential liability due to your dog’s past behavior, you might want to look into a separate dog liability insurance policy. This can offer additional peace of mind, especially for dog owners with high-risk breeds or a history of biting.
Training and Behavior Modification: It’s great that you’re working with a behaviorist and trainer. Documenting your efforts to train your dog could demonstrate that you’re taking responsible steps to mitigate risk, which may be beneficial should an incident occur.
Stay Informed: Keep yourself informed about local laws regarding dog bites and owner liability. This could help you understand your responsibilities and potential legal exposure.
Be Cautious: Regardless of policy details, it’s essential to manage your dog’s interactions with strangers and other pets carefully. Taking precautions can help prevent incidents that could lead to a claim.
Ultimately, being open and proactive about your situation will serve you well, both in terms of maintaining coverage and ensuring your dog is a safe member of your community.