How Can Insurance Factor into a Dog Bite Lawsuit in Illinois?

 Posted on November 13, 2019 in Dog Bite Injuries

In the event that a person is injured from a dog bite attack, he or she may be able to hold the owner liable for civil damages. Pain and suffering, serious injuries, and wrongful deaths can result from an unprovoked animal attack. On average, homeowners’ insurance companies pay out more than $300 million per year for dog bite injuries. Medical bills, lost wages, disability or disfigurement, and trauma can all factor into the amount of compensation that the victim is owed. Depending on whether or not the guilty party has insurance, the route to compensation may be drastically different.

What to Do After the Dog Bite?

Dog bite incidents can be rather complex if the owner is a friend or family member of the victim. Despite who is involved, it is important for a victim to immediately seek medical assistance after the bite. Depending on the severity of any injuries sustained, financial compensation may be required. After the injuries are treated, the victim should gather pictures, medical records, videos, and statements to help strengthen his or her case.   

If the Owner Has Insurance

If a dog bite occurs without provocation, in a location where the injured party was lawfully allowed to be, compensation may be sought. If the dog owner has insurance, the injured person may have a better opportunity to receive restitution. Dependent on the dog owners’ policy coverage, the insurance company may help cover liability costs. Victims should be wary of an initial “low-ball” offer from the insurance company.

If the Owner Does Not Have Insurance

Not having insurance does not mean that the dog owner is off the hook for his or her negligent actions. Although the process may be more difficult and the compensation might not be what is expected, legal action can still be taken. If the dog owner is without insurance, he or she may be responsible for your medical bills, pain and suffering, and loss of past and future wages. In the event that insurance is not involved, a settlement plan might be the best option.

Contact a DuPage County Personal Injury Attorney

A dog bite injury could leave a victim scared and unsure about how to proceed. At Mevorah & Giglio Law Offices, our experienced team can provide comfort to our clients who are going through a traumatic situation. By evaluating your case and determining the best course of legal action, our knowledgeable Naperville dog bite injury lawyers will fight for your right to compensation. To schedule a free consultation with a dedicated attorney, contact our office today at 630-552-6860. 

Source:

https://www.esurance.com/info/homeowners/does-homeowners-insurance-cover-dog-bites