The Role of Homeowner’s Insurance in Utah Dog Bite Claims

Dog bites can result in serious physical and emotional injuries, often leaving victims with hefty medical bills and other expenses. In Utah, where strict liability applies to dog bite cases, victims have the legal right to seek compensation from the dog owner, regardless of whether the dog has a history of aggression. However, pursuing adequate compensation often involves navigating the complexities of homeowner’s insurance policies.

Understanding the role of homeowner’s insurance in Utah dog bite claims is critical for victims seeking fair recovery and dog owners needing to grasp their potential liability. Here, our Salt Lake City personal injury lawyers explain.

Does Homeowner’s Insurance Cover Dog Bites in Utah?

Most homeowner’s insurance policies in Utah include liability coverage that can pay for injuries caused by the policyholder’s dog, including dog bites. This coverage typically addresses medical expenses, lost wages, and pain and suffering for the victim. However, coverage limits vary by policy, and some insurance companies may exclude certain dog breeds deemed “dangerous.” Understanding the specifics of a policy is essential for determining the amount of compensation available.

Filing a Dog Bite Claim Through Homeowner’s Insurance

The victim can file a liability claim with the dog owner’s homeowner’s insurance provider when a dog bite occurs. This claim is separate from any potential lawsuit and often results in a faster resolution. It’s important to note that insurance adjusters will investigate the claim thoroughly, looking for reasons to minimize or deny the payout. Common defenses include allegations that the victim provoked the dog or was trespassing at the time of the incident.

Victims should document the injury, gather witness statements, and seek immediate medical attention to strengthen their claims. Working with a skilled personal injury attorney can also help them navigate the complexities of the claims process and counter any attempts by the insurance company to undervalue the case.

Let Waddoups Law Personal Injury Attorneys Help with Your Utah Dog Bite Injury Claim

Navigating the complexities of homeowner’s insurance claims can be overwhelming, especially while recovering from a traumatic injury. Our Salt Lake City personal injury attorneys have extensive experience handling dog bite cases and are here to help. Contact us today to schedule a consultation and learn more about how we can assist you in your journey to recovery.

With over 90 years of combined experience, the attorneys at Waddoups Law Personal Injury Attorneys have dedicated their careers to advocating for Utah clients, achieving favorable settlements through skillful negotiation, and securing justice with compelling representation in jury trials.