Sunday, December 15, 2013

Dog Owners' New Policy: Bite Back

She and her husband adopted a mixed-breed pit bull named Emily two years ago. "What really gets me mad is that they would insure me if I had a registered firearm in the house, but not if I have a dog," she says. "Does that make sense?" Animal shelters are seeing a big increase in drop-offs from owners "who choose their insurance policy over their dog," says Brian Sodergren of the Humane Society. Homeowner's insurance typically pays for damage, theft and legal liability for injuries to others, including those caused by pets. Dog bites represent about a third of all homeowners' liability claims but only 10% to 15% of the amount companies pay each year. The cost has grown, however, from $250 million in 1996 to $310 million in 2001, the Insurance Information Institute, an industry group, reports. The total was "up slightly in 2002," spokeswoman Alejandra Soto says. After a dog bite claim, insurers typically raise the premium, cancel the policy or rewrite it to exclude the dog.
For the original version including any supplementary images or video, visit http://usatoday30.usatoday.com/news/nation/2003-05-19-dogbite-usat_x.htm

Dog Bites Rise During Holiday Season

Activities such as pulling it by the collar, manipulating it in a way the dog doesnt want, walking too close to its bed, toys or food, being too obnoxious or hyper, or even being spoken to by the dog owner or parent in a certain way can elicit a response. "Dogs can only behave like dogs and treat people the way they treat other dogs." Since a dog can't talk, when a behavior occurs that it doesn't like it will growl, snap and bite. It is in a dogs nature to discipline subordinates to teach them rules and manners. Dogs can only behave like dogs and treat people the way they treat other dogs, says Berryman. In fact, in a dog's mind, they are teaching you manners as they would teach their own puppies. Dog social order is not meant to hurt, but to teach boundaries and limits. The discipline technique of dogs is quick, startling and meant so that they dont have to tell the pup not to do something ever again," she says.
For the original version including any supplementary images or video, visit http://www.sheknows.com/parenting/articles/1008435/how-to-treat-a-dog-bite

Dog Bite Prevention Week: A Time to Take Responsibility for Dog Bites

Hernandez also stresses that the dog owner has to take responsibility. "With dog owners I'm hearing [them say] that it's someone else's fault. 'This is my dog and how dare the child ride a skateboard on the sidewalk or how dare these kids scream and run like kids do in the front of my house' " he states. What they should be asking according to Hernandez, is "What am I going to do to get my dog accustomed to the normalcies of life." Because children and people just walking, doing their own thing is very different from those who interact with the pet inappropriately. Both dog owners and people interacting with dogs should take responsibility, realistically it goes both ways because, no matter what, the consequence is bad for the dog. "Any time a person is bit even if the dog is reacting [fearfully] to something the person did, people think the animal is dangerous and aggressive regardless of the circumstances. Most of the time they say it's out of the blue or uncharacteristic of the animal but when you delve further and ask about the type of interactions and training [and socialization] you find that there's a huge void between having an animal and having it be accustomed to being around new people and new situations. That is, most of these animals are fearful because they did not receive enough positive experiences around many people, environments, and animals during their early puppy sensitive period of socialization and through adulthood.
For the original version including any supplementary images or video, visit http://www.huffingtonpost.com/sophia-yin/dog-bite-prevention-week-_b_862109.html

Dog Bites Insurance Companies: Man's Best Friend Behind One-Third of All Homeowner Claims

According to the U.S. Postal Service, December is a peak time for dog bites and dog-related injuries, with children out of school for winter break and mail carriers delivering a higher volume of mail and holiday packages. Nearly 2,700 dog bites occurred between July 1, 2012 and June 30 of this year. The 92113 zip code -- which encompasses areas like downtown, Barrio Logan and Logan Heights -- had the most dog bites in San Diego with 113 reported incidents. In the 2012 calendar year, San Diego County letter carriers experienced 75 dog bites/attacks.
For the original version including any supplementary images or video, visit http://www.nbcsandiego.com/news/local/Dog-bites-mail-carriers-post-office-holidays-235158651.html

How to treat a dog bite

Treating a dog bite From 2003 to 2012, the value of dog bite claims increased 51%, a rate that far outpaces inflation. The average dog bite claim payout rose from $19,162 in 2003 to $29,752 last year, an increase of 55%. (MORE: Millions on Pet Halloween Costumes? Why We Spend More and More on Pets ) Insurers take notice of such data, and yes, owning a dogespecially one that has bitten someonecan affect your policy. In general, the fact that you have a dog doesnt factor into what rate you pay for homeowners insurance. But as the New York Times noted , once a dog bite takes place at your home, the insurer could raise the premium or even exclude dog-related injuries from coverage.
For the original version including any supplementary images or video, visit http://business.time.com/2013/05/28/dog-bites-insurance-companies-mans-best-friend-behind-one-third-of-all-homeowner-claims/

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