Dogs and cats are the most common pets we humans tend to have. It should not be surprising, then, that they are responsible for the vast majority of serious animal bites. But let’s not forget that they are not the only animal companions we keep. Some people like their rodents. Others like their reptiles. Some prefer exotic feathered friends. Ferrets fall into an altogether different category. And then there are the big animals like horses.
One thing they all have in common is that they can all cause significant injury if they attack. At the low end of the injury spectrum might be a cut or scratch. But even that can lead to something worse. If the wound becomes infected, it could actually lead to hospitalization or even death. Victims have the right to explore seeking compensation for lost wages, physical disfigurement, medical costs or other damages.
It may well be that a pet responsible for injuries belongs to a friend or a family member. In such cases, it might prompt victims to hesitate filing a claim for recovery because they don’t want to saddle the pet owner with the financial burden. But it’s important to remember that in many cases, the expense is not borne by the individual. Depending on the specific circumstances of the case, any legal accountability stemming from an animal bite injury claim might be paid from several sources.
Homeowner’s insurance is likely to be the primary source of recovery. If the animal involved has a history of violent behavior, however, insurance might not cover claims after the first attack. A lot depends on the exclusionary language of a given insurance policy.
If the bite occurs when the animal is in the owner’s car, a claim might be filed with the auto insurance company. Very often both home and auto insurance can be held liable. When duplicate claims are made, the insurance companies then typically have to resolve which of them will pay what.
The key thing to remember is that if someone is injured from a pet attack, he or she shouldn’t have to bear the cost alone.