America loves its dogs, whose population in U.S. households is estimated at 60 million. While dogs make great companions, playmates, and protectors, they also continue to be a problem for insurers. Nearly two million people are bitten by dogs each year with around 800,000 individuals getting professional medical treatment for their wounds. Each of these incidents is a potential lawsuit.
California’s level of dog ownership continues to grow. Therefore, biting incidents have also climbed. Another factor that contributes to these incidents is that owners often fail to supervise and train their pets. A third big contributor to the problem is that many persons, especially children, do not know how to behave around dogs.
An Issue Of Control
Insurance is still designed to handle accidents, and companies are at a severe disadvantage when policies are asked to respond to losses that are easily avoided. Dog bite claims involve the insured having control over areas such as:
Choosing th ...