Man’s best friend? Dog bite liability. Insurances Civil liability insurance Homeowner insurance Renters insurance Other Special insurance: dog bite liability.

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Presentation transcript:

Man’s best friend? Dog bite liability

Insurances Civil liability insurance Homeowner insurance Renters insurance Other Special insurance: dog bite liability Average premium: $ /year

When are you liable? Because of ownership Exceptions: Trespassing Veterinarians Felons Provocation Police/military “one bite rule” Prevention

Most vicious dogs (responsible for the greatest number of dog bite-related fatalities from 1979 to 1998) 1.Pitbull 2.Rottweiler 3.German Shepherd 4.Husky 5.Malamute 6.Doberman 7.Chow 8.Great Dane 9.Saint Bernard 10.Wolf hybrids

What is covered? (future) medical treatment Medications Psychological counseling Loss of earnings Torn clothing

Statistics (USA) 65 million dogs Annual bites: 4.7 million (2%) (1/6) need medical attention Deaths: /year Dogs of family/friends: 77% Losses: > $ 1 billion /year $ 345 million paid by insurance

Emergency room incindents (2005) Cause of injuryIncidents Baseball/softball Dog bites Playground accidents All-terain vehicles, mopeds,… Volleyball Inline skating Horseback riding71.162

Number of dogs (+ 2%)

Number of bites (+ 33%)

Homeowner claims

Consequences For the owner: Loss of house, income,… For the victim: Physical consequences No way to recover For society: Society pays medical bills, disability and unemployment benefits Banning of certain breeds

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