Englewood Dog Bite Lawyers

It depends on your state's law. In strict liability states (California, Florida, Michigan, New Jersey, and others), the owner is automatically liable for bite injuries regardless of the dog's history — you only need to prove you were bitten and were lawfully present. In one-bite rule states (New York, Texas, Virginia), you must prove the owner knew or should have known the dog had dangerous propensities — evidence includes prior bites, aggressive behavior, complaints to animal control, or warnings from the owner. Even in one-bite states, violation of local leash laws or dangerous dog ordinances can establish negligence per se.

In most states, you can recover damages if you were lawfully on the property — as an invited guest, delivery worker, meter reader, or social visitor. Trespassers generally have limited rights, though child trespassers may be protected under the attractive nuisance doctrine. In strict liability states like California and Florida, the statute specifically protects anyone 'lawfully on public or private property.' Provocation of the dog is a defense that can reduce or eliminate the owner's liability.

Yes — most homeowner's and renter's insurance policies include liability coverage that pays for dog bite injuries, typically $100,000–$300,000. However, some insurers exclude specific breeds (pit bulls, Rottweilers, German Shepherds, Dobermans) or impose surcharges. If the policy excludes the breed, we pursue the owner's personal assets and identify any umbrella coverage. The average dog bite insurance claim payout was $64,555 in 2023 according to the Insurance Information Institute — but serious injuries with scarring and psychological trauma can exceed $250,000.

Dog bite damages include: medical expenses (emergency treatment, surgery, antibiotics, wound care), future medical costs (scar revision surgery, reconstructive procedures, psychological therapy), lost wages and earning capacity, pain and suffering, disfigurement and scarring (valued separately from pain and suffering in most jurisdictions), emotional distress and psychological trauma (PTSD, cynophobia, anxiety), and in cases of egregious owner conduct (known dangerous dog, prior attacks), punitive damages. Child victims often receive higher non-economic damage awards due to the lifetime impact of facial scarring and psychological trauma.

Personal injury statutes of limitations vary by state: 2 years in California, Texas, and Florida; 3 years in New York. However, for minor children, the statute is typically tolled (paused) until they reach age 18, giving them additional time to file. Government dog bite claims (police K-9, animal shelter dogs) have much shorter deadlines — typically 90 days to 6 months for a Notice of Claim. Contact Bond Legal promptly to preserve your rights.

If the dog owner cannot be identified, recovery options are more limited but may include: your own medical payments (MedPay) coverage on auto or homeowner's policy, health insurance subrogation, crime victim compensation funds (if the attack rises to criminal conduct), and in some jurisdictions, municipal liability if the city had notice of a dangerous stray dog population and failed to act. We investigate thoroughly to identify the owner through animal control records, neighborhood canvassing, and social media.