Blog de Derecho de lesiones personales
From Backyard Bites to Park Injuries: The Role of Home Insurance in Dog Attacks
For many Chicago residents, dogs are more than pets; they are family. However, even the most well-behaved dogs can get startled or anxious. Whether mordeduras de perro happen at home, or a dog bite happens at Millennium Park, at a local park, or on the sidewalk, they can cause serious harm and lead to costly legal claims. That’s why having adequate home insurance is more than just a checkbox. It’s a vital layer of protection.
Dog Owners are Responsible for Dog Bites
Illinois law holds dog owners liable for bites. The state does not have a one-bite rule. This means if your pet bites someone, you are responsible for the injuries, even if your dog has never been aggressive. Under the Illinois Ley de control de animales, proving the dog’s history of biting is unnecessary.
If the dog bite victim didn’t provoke the dog and was lawfully present in your home, you may be liable for medical expenses, lost wages, and other damages. The costs can quickly add up. Homeowners’ insurance may help cover these expenses only if the policy includes sufficient liability protection. Not all policies do.
What Does Home Insurance Usually Cover?
Most standard homeowners’ insurance policies include personal liability coverage. This means the insurance may pay for medical bills and legal costs if your dog injures someone. However, coverage limits can vary.
In Chicago, liability coverage often starts at $100,000. That may seem like a lot, but serious injuries and legal fees can easily push expenses beyond that amount. Dog owners can increase their liability limits or add an umbrella policy, which can provide an extra layer of protection beyond what their standard policy offers.
When Should You Consider Increasing Liability Coverage?
Certain dog breeds, like pit bull terriers and rottweilers, are often labeled as aggressive. If your dog is among these breeds, it’s a good idea to consider increasing your liability coverage. Basic liability may cover some costs, but umbrella insurance can protect you if damages go beyond your homeowners’ policy limits. For example, some dog bites lead to severe harm, such as permanent disabilities or disfigurement.
Some Illinois dog owners also choose to purchase separate animal liability insurance. This is designed to cover damage caused by pets, including dog bite injuries. It can be useful in areas where certain breeds are restricted. Animal liability insurance offers peace of mind by protecting dog owners who might otherwise face gaps in coverage.
Cutting Insurance Could Cost You More Later
Property taxes in Chicago rose more than 16 percent from 2021 to 2023. In some neighborhoods, bills increased 25 percent, according to the Cook County Treasurer’s report. As a result, some homeowners may look for ways to save money. While cutting back on insurance might seem tempting, it can leave you exposed to large out-of-pocket costs if your dog bites someone.
Insurance for Renters Who Are Dog Owners
Renters and condo owners with dogs need to be just as cautious. Renters’ insurance and condo insurance often include personal liability coverage like home insurance. It is important to understand your policy details, including what situations are covered. You may still be liable if a neighbor or visitor is bitten inside your unit or in shared spaces like hallways or common areas.
If you own a dog in Chicago, reviewing your home insurance policy should be part of your home safety routine. Make sure you know your liability coverage limits and whether dog bites away from home are covered.
Talk to the Dog Bite Lawyers at Briskman Briskman & Greenberg
Injured from a dog bite in the Chicago area? The abogados de lesiones personales en Briskman Briskman & Greenberg are here to guide you through your options for recovering compensation and protect your rights. Póngase en contacto con nosotros today for a free initial consultation. There is no fee unless we win your case.
