Visitor Question

Dog Bite Home Owner Insurance Question…

Submitted By: Hammen (Fredericksburg. VA)

Can you tell me what happens when the dog bite home owner insurance is the same for the plaintiff and defendant?

My daughter was invited to visit a neighbor’s house. Their dog jumped up and bit her on the upper lip as soon as she entered the house. The bite was unprovoked and unexpected. She received 6 stitches in the ER and will have permanent scarring according to the plastic surgeon.

Should I be concerned that I have the same insurance company (homeowners) as the owners of the dog that bit my young daughter? How is a case handled when it is the same insurance company? Thank you.

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.

Answer

Dear Hammen,

Over the years, smaller insurance companies (carriers) have been swallowed up by the major carriers like State Farm and Allstate, to name a few. As a result more and more people have the same insurance company.

In your case, the homeowner should notify his insurance company about the dog bite within 24 hours of the injury. You should notify your carrier as well. The homeowner’s insurance company will assign your daughter’s case to an Adjuster so he or she can evaluate the claim. Your insurance company (the same as the homeowners) will assign your case to a separate Adjuster.

Your claim will not adversely affect your policy because the insurance company will soon determine your daughter was the victim, and that she didn’t invite or cause the attack.

Because you both have the same insurance company the cases will be split up between two Claims Adjusters. Your claim will be handled in the same manner as if there were two competing insurance companies in the picture.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from a licensed attorney. Find a local attorney to give you a free case review here , or call (888) 647-2490.

Best of luck,

Published: February 8, 2011

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