As Insurance Companies Get Banged For Dog And Animal Bites, Many Carriers Maintain A List Of Dog Breeds They Won’t Insure
As insurance carriers get more picky as to the comfort of their risk levels, some carriers are refusing to insure certain breeds of dogs and other animals. Many carriers however still do not inquire about dog breeds during the underwriting process. The Center For Disease Control has listed the following breeds as the most dangerous based upon fatal human attacks which could be particularly prone to insurance claims: Pit Bull, Rottweiler, German Shepard, Huskies, Malamute, Doberman Pinscher, and Chow Chow. Many insurance carriers claim that these dogs have a reputation of being intimidating and aggressive, particularly towards strangers.
Some states have a very specific definition of what constitutes a dangerous dog and may include but not limited to the following: aggressively bites, attacks, or inflicts severe injury on a human on public or private property; has more than once severely injured or killed a domestic animal on lawful owners property; has been used preliminarily or in part for dog fighting which when unprovoked chases or approaches another individual in a menacing fashion or attitude of attack.
As an experienced Pennsylvania dog bite lawyer and animal attack attorney for over 30 years, I am well aware that approximately 60% of all seriously injured dog bite victims are children. In Pennsylvania, dog bite injury victims can legally hold a dog’s owner responsible for their injuries. Pennsylvania dog owners are only legally obligated to restrain or control the dog to make sure the public is safe from harm. If the dog is not on a lease or properly secured on an owner’s premises or the dog owner knew that his or her dog was prone to violence yet did not take proper safety measures to prevent someone from being bitten, mauled, or killed, the owner can be held financially liable by a Pennsylvania court. The Philadelphia dog bite lawyers of Reiff & Bily understand that many involved in a dog bite situation may have permanent scarring or catastrophic and severe bodily injuries and unfortunately, sometimes a wrongful death.