Tag archives: insurance

New information from the Insurance Information Institute and State Farm reveals that dog bite claims continued to rise in 2013. The number of bites are up since 2012, but the amount of insurance payouts since last year are down – but only slightly. In the last decade, claims, value of claims and average cost per claim are all up. 

In 2013, the value of insurance claims related to dog bites totaled $483.7 million! That’s nearly a half billion dollars. The number of claims was up 5.5 percent with a total of 17,359 claims. Those are just reported claims. That’s a lot of biting going on -- some of these are due to irresponsible owners not taking time to properly socialize and train their dogs, while others are likely due to something that happened in the moment and which was likely a one-time incidence; most of those situations, however, were likely avoidable. 

Before you think it’s just nips and torn pants that qualify for those bite incidences, consider that the average claim was for $27,862 – it doesn’t take much to rack up a hospital bill with a visit to the emergency room.

The top-10 states ...

According to a recent report, dog bites account for one-third of all monies paid out to homeowners’ insurance claims – nearly half a billion dollars in 2012. 

While the $489 million paid out for dog bites pales in comparison to the estimated $2 billion spent on canine reconstructive-knee surgery (TPLO operations), it underscores the burden of responsibility every dog owner shares.

If you think a dog won’t bite, you’re wrong. No matter how small, cute or friendly a dog appears, if has teeth, it can bite; and all dogs have approximately 42 adult teeth that evolved to slash, tear, grip and kill. Or as the U.S Post Office puts it: “There are 70 million good dogs … but any dog can bite.”

The postal service released the slogan on a poster in support of National Dog Bite Prevention Week, which was May 19-25. Postal workers are the third most-bit victims, behind the elderly and toddlers.

Young children, with their jerky, unstable motions, uncanny ability to surprise and eye-level height with canines, suffer the most and worst bites. The disfigurement of a child takes only a moment, but can last a lifetime. Those lasting bites are also the ones ...