Summary: This article explains what homeowner’s insurance covers in the state of New York. To contact our Long Island dog bite lawyers, please click here.
Homeowner’s Insurance Claims & Coverage
What Does Homeowner’s Insurance Cover?
While common coverage for homeowners usually includes liability insurance, there are several other specific claims that may be brought under it as well. Other covered claims include damage to items inside your home, your personal items, injuries on your property and even damage or loss of trees or plants on your property.
Homeowner’s insurance does cover dog bites. New York is a “no-fault” dog bite state which means that insurance coverage for incidents will apply regardless of who was at fault. If you are walking down the street with your children and a dog attack you, homeowner’s insurance will cover all damages that result. If you live in New York and are looking for Long Island dog bite lawyers, please contact Winkler Kurtz LLP.
However, if the incident occurs in your own yard or on your property, it is important to note that dog owners are responsible for their pets’ behavior. If you are bitten by an off-leash dog in your backyard, it is possible that your insurance company will leave it to you to collect damages from the dog owner.
Homeowners Insurance Coverage for Dogs in New York
When You are Charged with Dog Bite Liability
New York law requires that all dog owners have at least $50,000 in liability insurance. This covers any injuries or property damage caused by your dog when he is away from your property. Your homeowner’s insurance will provide this coverage, even if your dog has never been to blame for any accidents in the past.
Effects of Dog Bite Insurance on Your Homeowner’s Insurance Rates and Coverage
Many consider a dog bite to be one of the most financially devastating mishaps that can occur. Not only do you have the potential for severe injuries, but you also could be held responsible for extensive medical bills and even property damage. The idea of having to cover the damages yourself is enough to make any dog owner worry about their insurance rates after an incident.
New York state has “no-fault” laws that protect all dog owners following a bite incident. Insurance companies are not allowed to hike your premiums or drop you because of a dog attack that occurs after 1986. If the incident did occur on your property, homeowner’s insurance will cover all costs for medical bills and property damage without any impact on your rates so long as this was an unprovoked attack.
What Will Not Be Covered by Homeowner’s Insurance
Homeowner’s insurance will not cover injuries that result from your dog biting another animal. If you are bitten by a neighbor’s cat, the medical bills and property damage will be your responsibility to pay. Additionally, homeowner’s insurance will not cover any damages if your dog is in the act of attacking someone or if you knew that the dog was dangerous and did nothing to prevent the incident.
If you need assistance from our Long Island dog bite lawyers, please click here.
Am I Required To Report My Dog Bite In The State Of New York?
Yes, you are required to report any dog bites that occur in the state of New York. This includes bites that occur on public or private property, as well as those that occur while the dog is off its leash. Dog owners who fail to report a bite may be subject to civil and criminal penalties. If you have been bitten by a dog, you should seek medical attention as soon as possible. You should also contact your local animal control agency to make a report. In some cases, the agency may require that the dog be quarantined for a period of time. Our Suffolk County Dog Bite Lawyers at Winkler Kurtz, LLP are experts in this area of personal injury.
What Should Be Included In The Dog Bite Report?
When you make a report to animal control, be sure to include the following information so that no detail is missed in the report:
-The name, address and phone number of the dog’s owner
-The name and contact information of the person who was bitten
-A description of the dog, including its breed, color and approximate size
-The location of the incident
-The time and date of the incident
-Any witnesses to the incident
-The extent of the victim’s injuries
If you have any questions about reporting a dog bite, or if you need help filing a personal injury claim, contact our Suffolk County Dog Bite Lawyers at Winkler Kurtz, LLP today. We offer free consultations, and we will not hesitate to fight for the compensation you deserve. Our law firm specializes in the realm of personal injury. And we have specialists who work specifically in handling dog bite cases.
After I Report My Dog Bite, What Should I Do Next?
After you have reported your dog bite, you should seek medical attention as soon as possible. Even if your injuries seem minor, it is important to have them evaluated by a doctor. Some dog bites can lead to serious infections, and some victims may require surgery. In addition to seeking medical treatment, you should also contact our Suffolk County Dog Bite Lawyers at Winkler Kurtz, LLP. We can help you understand your legal rights and options, and we will fight to get you the compensation you deserve. We believe that you are entitled to your compensation, and we will do everything in our power to help you achieve that goal.
How Do I Know If I Qualify For Compensation From A Dog Bite?
In order to qualify for compensation, you must be able to prove that the dog’s owner was negligent. This means that they knew or should have known that their dog was dangerous, and they failed to take appropriate measures to keep others safe. For example, if the owner knew that their dog had a history of biting people, but they did not keep it on a leash or provide adequate warning to others, they may be held liable for any resulting injuries. If you have been injured by a dog, contact our Suffolk County Dog Bite Lawyers at Winkler Kurtz, LLP to discuss your case. We will review the facts of your case and help you determine if you are eligible for compensation.
Contact Our Suffolk County Dog Bite Lawyers Today
If you or a loved one has been bitten by a dog, contact our Suffolk County Dog Bite Lawyers at Winkler Kurtz, LLP today. We have extensive experience handling these types of cases, and we will not hesitate to fight for the compensation you deserve. Call us now at (631) 928-8000 or fill out our online form to schedule a free consultation.