Dog Bites Can Raise Your Insurance Premiums

Dogs Put $489M Bite on Home Insurance Industry

The Centers for Disease Control and Prevention say 4.7 million dog bites occur each year, and more than half of the victims are children. The Postal Service says roughly 5,900 postal carriers were attacked by dogs last year. Los Angeles topped the list of cities based on dog attacks on letter carriers, with 69 attacks reported in fiscal 2012. A nonprofit organization called Prevent the Bite offers tips for helping people, especially children, to avoid dog bites, based on the "W.A.I.T." principal for approaching unfamiliar dogs: –Wait to see if the dog is with its owner and if it looks friendly. –Ask the owner for permission to pet a dog.
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Dog bite fatalities on the wane: Amala Akkineni

A tweet has been posted to your Twitter account. Sent! A link has been sent to your friend's email address. Dog bite claims fall, except for mail carriers By Oliver St. John, USA TODAY 5:24 p.m. EDT May 16, 2013 Dog bite claims were down by 2.1% in 2012 from 2011, State Farm reports (Photo: Thinkstock) Dog bite claims were down by 2.1% in 2012 from 2011, State Farm reports The U.S. Postal Service reported 5,879 bites last year, 274 more than in 2011 California is the top http://freedoghandbook.com/dog-bite-dangers-what-you-need-to-know/ state in claims Last year, dogs were slightly less bitey, but they made an exception for mail carriers.
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Dog bite claims fall, except for mail carriers

Animal bites occur most often to young children. They are most often bitten in the face or head and by either their own dog or a dog they know. The second most frequently bitten group is senior citizens. Also on the most common list are home-service individuals such as letter carriers, meter readers and yard maintenance individuals. Prevention is the key. Some prevention ideas are to make sure to never leave children home alone with dogs. Children often will surprise a dog or accidentally hurt them.
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Pet Tales: Dog bites cost almost half a billion dollars

According to the American Society of Plastic Surgeons, there were close to 27,800 reconstructive procedures, including ones for children, to repair dog bites in 2012. Most homeowners' policies, says the Institute, provide liability coverage of $100,000 to $300,000. If the claim exceeds the limit, the dog owner is responsible for all damages above that amount, including legal expenses. Most insurance companies insure homeowners with dogs, according to the Institute. But some charge more to people owning breeds that an insurer may regard as bite-prone, such as pit bulls and Rottweilers. Some cover the owner only if the dog is taken to behavior classes or is restrained in public with a muzzle, chain or cage. Others deny coverage altogether.
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Speaking at 'Clean India 2013', organised by Sukuki Exnora on World Environment Day, Ms. Amala cited the records of the Institute of Preventive Medicine (IPM) to state that there were no deaths due to stray dog bites in the last few years. But there might be instances of deaths in cases where people come to the city for treatment from other places. "Even dog bites reported in the city have come down by nearly 15,000 due to the sincere and coordinated effort of the Greater Hyderabad Municipal Corporation (GHMC)," she said. Garbage Ms. Amala underscored the link between garbage and stray dogs and called upon residents to keep their colonies free of garbage heaps. She said the high plastic usage, which ends up in streets and garbage piles, causes severe problems for cattle. The event was organised in association with the Programme for Environment Awareness (PEAS) of United Federation of Residents' Welfare Association (U-FERWAS).
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