Any dog, regardless of its size and appearance, could potentially become aggressive in the wrong situation. A dog with a history of abuse, for example, might find certain words, behaviors or even smells to be a trigger for aggressive behavior. A dog that looks sweet might become vicious with minimal provocation, while a dog that seems frightening could actually be incredibly gentle.
If you suffered a serious dog bite attack, you may feel like the breed of the animal doesn’t really matter. However, there is a possibility that the kind of dog involved could influence your rights as the victim.
Insurance companies don’t always cover vicious animals
There is a saying that there is no such thing as a bad dog, just bad owners. While it may be true that an animal’s aggression or fear may reflect an unhealthy home environment, even dogs treated with compassion and love might suddenly snap at strangers or children. Predicting and preventing dog bite attacks often involves risk management, such as identifying common factors among attacks.
Researchers gather data about dog bite attacks over years. The information that they study can help policymakers and potential customers make more informed decisions. Sadly, that same data has served the purpose of giving insurance companies an excuse to not cover certain animals or to charge owners a premium for liability protection if their dog belongs to more aggressive or high-risk breeds.
For you as a victim, that might mean that there isn’t an insurance policy that covers you after a dog bites you and leaves you severely hurt. Breeds that could fall into this category include Pit Bull Terriers and blends with this lineage, Rottweilers, Chow Chows, Doberman Pinschers, Akitas, Staffordshire Terriers, Siberian Huskies, Great Danes, Mastiffs and any wolf hybrid dogs.
Without insurance coverage, litigation may be necessary
Especially if the dog’s owner is a neighbor, family member or friend, you probably hoped to settle the whole issue quickly. Unfortunately, if their insurance doesn’t cover the incident, you will have to decide between taking legal action or covering all of your losses yourself.
The more expensive and debilitating the impact of the dog bite attack, the more you may need financial help recovering. Whether you need to file an insurance claim or a civil lawsuit, the right help with that process can increase your chances of success.