home owners insurance with dogs
The man and the best friend of women is everywhere. Almost 40 percent of U.S. households include at least one dog. The dog population of the United States stands at 74.8 million, an average of 1.7 dogs per dog of the 43 million homeowners. Like all domesticated animals, dogs are the descendants of wild creatures and wild occasionally showing his teeth. Every year, dogs bite 4.7 million people-about 1.5 percent of the population, according the Centers for Disease Control.
Some of these bites are warning PIN, allow humans to know that he crossed a line too close to the food dog, puppies, or owner. About one sixth of the bites of these (800,000) are serious enough to require medical attention. Almost half of them (386,000) end up in emergency rooms, making dog bites the second leading cause of visits to the emergency room. (Softball / baseball injuries are the leading cause of emergency room visits.)
About half of the victims of dog bites requiring treatment in the emergency room are children, with the average age of victims of dog bite is 15. The largest concentration of dog bite victims are children 5 to 9 years old. Because children are not as high as adults, are often bitten above the shoulders. Fully 73 percent of children treated for dog bites in emergency rooms has been bitten in the neck or face. Only 30 percent of adults are bitten above the shoulders. About 30 people die from dog bites each year, or about 0.0002 percent of the total number of dog bite victims.
The biting dog's owner can be held liable for damages, although laws governing liability for dog bites vary from state to state. Most liability claims result from negligence causing injury. For example, the person who slips and falls in a house due to his own carelessness or stupidity has no grounds to sue. However, if an injury occurred because the owner could not keep secure the property then a claim of responsibility will often succeed. Negligence may be shown with respect to a dog bite if the dog has a history of aggressive behavior. Some states have passed laws that eliminate the requirement of negligence and cause the dog owner responsible for all dog bites. California have a "bite" law. It reads in part:
The owner of any dog is liable for damages suffered by any person who has been bitten by the dog, while in a public place or lawfully in a private place, including the dog owner's property, regardless of that are attacked or bitten during the commission of a crime against the owner. Bites for professionals dealing with dogs, so dog hairdressers Veterinarians are also excluded from liability claims.
Homeowners used to offer insurance coverage for damage caused by dog bites. In recent years, however, insurance companies have moved to limit their coverage. Some exclude all liability for dog bites. Others cover most dogs, but not cover certain breeds, including Rottweilers, American Pit Bull Terrier, Doberman, German Shepherd, St. Bernard, and others. The CDC does not agree with this approach, stating that "A CDC study on bites Lists fatal dog breeds involved in fatal attacks over 20 years. It does not identify specific breeds that are more likely to bite or kill, and therefore not suitable for making policy decisions related to the topic. "
It is always essential to read your owner insurance policy thoroughly, especially in relation to exclusions. If you own a dog, make sure the dog bite liability is covered. If so, make sure you're covered with your dog breed. If the dog bite coverage is not included in your coverage, ask your agent if you can add liability clause. A dog bite can occur in milliseconds. You do not want to discover too late that has been bitten by a lack of homeowners insurance coverage housing.
About the Author:
An award-winning author of books for young adults, Bradley Steffens is a frequent contributor to online and print publications, including Gig and Broker Agent Magazine. A copywriter with 25 years experience, he creates website content for health insurance, life insurance, and homeowner’s insurance professionals. His most recent book, Ibn al-Haytham: First Scientist, is the world’s first biography of the medieval Muslim scholar known in the West as Alhazen.
Article Source: ArticlesBase.com – Homeowners Insurance – Don’t Get Bitten by Homeowners Liability
