Insurance Companies Denying Coverage to Owners of Dogs from Dangerous Breeds

No matter the specific breed, a dog bite can inflict serious harm. Victims might suffer a broken bone or develop a debilitating infection. Though any canine is capable of an unprovoked attack, certain breeds are particularly dangerous. This is evidenced by the fact that some home insurance providers will refuse to provide coverage if the prospective policyholder owns one of these dogs. 

One industry axiom holds that dogs rank with pools and trampolines when it comes to things that provoke stress for home insurers. Many companies have lists of breeds that will trigger a complete coverage denial, or a rider that hikes premium costs. Some breeds that commonly appear within these lists include the following:

• Doberman Pinschers
• Pit Bulls
• Rottweilers
• Chow Chows
• Wolf Dogs
• Akitas
• German Shepherds

The concern stems from the potential cost of dog bite liability claims. Even a single incident can lead to substantial and personal injury compensation for medical expenses, lost wages and emotional trauma suffered by the victim. 

Unlike some states which hold owners liable for any dog attack that occurs, Georgia uses what is known as a modified “one-bite rule.” This means that a victim can recover damages if their owner knew or should have known the dog was dangerous, or if the owner carelessly managed the animal. The colloquial name derives from the concept that someone might not be aware of their pet’s aggressive tendencies until it actually bites someone. However, the fact that insurance companies recognize the threat posed by certain breeds might be enough to put someone who has a dog from that breed on notice. 

In many cases, children are the targets of vicious animals, and they might be wounded in a manner that leaves permanent physical or psychological scars. Don’t hesitate to retain legal counsel if you or a loved one has been hurt by someone else’s pet. Prompt action is the best way to gather the evidence needed to preset the strongest legal case possible.  

The Law Office of S. Mark Mitchell, LLC in Newnan represents Georgia residents in personal injury claims stemming from dog bites and other types of incidents. Please call 470-344-8550 or contact me online to make an appointment.