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Dog Bites Insurance Companies: Man's Best Friend Behind One-Third of All Homeowner Claims
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Dog bite incidents by the number
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Dogs Put $489M Bite on Home Insurance Industry
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Fido's lenience was not extended to the U.S. Postal Service, which reported 5,879 bites and attacks last year, 274 more than in 2011. As states continue to crack down on biting dogs and to enact leash laws, the 43 million dog-owning households are increasingly on guard against losing their best friends to animal control and paying through the nose for victims' medical costs and lawsuits, says Loretta Worters, Vice President of the Insurance Information Institute. "There's two lies we hear at the Postal Service. One is, "The check's in the mail," and two is, "My dog won't bite,' " says Mark Saunders, USPS spokesman. 
The majority of bites will be from the family dog or the dog of a neighbor or friend. People across the country own about 78.2 million dogs, according to the American Pet Products Association. State Farm's figures listed the top 10 states by number of claims, claims paid and claim average. California was tops in the first two categories, then came Illinois, 309 claims, $10 million; Texas, 219 claims, $5.1 million; and Ohio, 215, $5.4 million. At the bottom of the claims per state list were Maine, New Mexico, Montana, Hawaii and South Dakota, Martinez said. The average cost per claim nationally in 2011 was $28,799, Martinez said. California had a per-claim average of $38,500 but New York came in first because the company paid an average of $45,900 per claim there. 
In the 2012, dog bite claims accounted for $489.7 million, which is more than one-third of all homeowners liability claims paid in the year, according to the III. Compare that to 2003, when there were a few hundred more dog bite claims, and yet the claim payouts totaled $324.2 million. 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. 
Let's say you just got off the bus and are walking down a strange (or your own) residential street in Sacramento. You could quickly open an umbrella right in the dog's face without touching the dog, but that may not work with a dog not afraid of umbrellas and determined to bite you. Can you do anything else to save your life or your skin and 
Updated: 2013-08-29T17:16:42Z August 29 A Kansas City, Kan., police dog tracked and bit a robbery suspect just before noon Thursday. at a business in the 3800 block of State Avenue. The robber fired at least one shot during the robbery, but the business employee was not hurt. After the robber fled on foot, police found a piece of clothing he had discarded nearby in the 3700 block of Washington Blvd. The dog was brought in to track the suspect, and found the suspect hiding nearby. Officers took the suspect into custody, and he was taken by ambulance to a hospital for treatment of the dog bite injury. 
According to Nadrich, Most states have some form of strict liability law, and Wisconsin is no exception. In fact, Wisconsin Statute 174.02 stipulates that 'the owner of a dog is liable for the full amount of damages caused by the dog injuring or causing injury to a person, domestic animal or property.' Nadrich further notes that this particular case is still under investigation, and not all of the details have yet come to life. Of course, everyone is innocent until proven guilty, and right now, all we really know is that a woman was injured by two dogs. The police will determine the extent of liability, based on the evidence at hand. According to the ABC report, the 32-year-old victim has undergone surgery for her serious bite wounds. She is expected to make a full recovery, but police say that her prognosis may have been been much worse if not for the "heroic efforts" of her neighbors, who pulled her to safety when the two dogs attacked. "I can't say enough about what those neighbors did. They went toward the danger; they didn't run from it. They went toward to the screams, and they grabbed that woman and pulled her to safety. 
Remain motionless (e.g., "be still like a tree") when approached by an unfamiliar dog. If knocked over by a dog, roll into a ball and lie still (e.g., "be still like a log"). Do not play with a dog unless supervised by an adult. Immediately report stray dogs or dogs displaying unusual behavior to an adult. Avoid direct eye contact with a dog. Do not disturb a dog that is sleeping, eating, or caring for puppies. Do not pet a dog without allowing it to see and sniff you first. 
The deputy called for emergency aid, and several officers with the sheriff's department and San Jose police arrived at the scene. At that point, the man continued to be confrontational toward the officers, and stabbed himself three times in the chest, causing injuries not considered life threatening. Officers released the police dog, and the subject "basically assaulted the dog by biting, punching and choking it," Stenderup said. He dropped the knife in the scuffle with the dog and officers were able to move in and take him into custody. One officer suffered unspecified injuries in the takedown. Stenderup said the man is believed to have been under the influence of a controlled substance. He credited officers with taking the subject into custody without further injury. "If anything, we are very proud of our deputies for showing the restraint they did," he said. 
Explosive, unpredictable aggression can emerge in pit bulls as young as four months. Bad owners may exacerbate pit bulls inherited traits, but even ideal owners cannot eliminate or reliably control them. In his continually updated Clifton Report, available online, Animal People editor Merritt Clifton publishes tallied of serious human damage maulings, maimings and fatalities by dogs tallied by breed. (He has been tracking such data since the early 1980s.) According to these numbers, derived from Centers for Disease Control and police reports, amongst other sources, pit-bull-type dogs represent 3000% of the actuarial risk of more typical breeds. Rottweilers represent 2000%, and to show the disproportion German Shepherds, the third highest-risk breed, represent only 300% average risk. Since 1982, pit bulls have killed 259 of the 511 North American victims of fatal dog attacks In fact, Farmers Group Insurance in California recently stopped liability coverage for pit bulls and Rottweilers (and wolf hybrids). Tellingly, the number of attacks and the amount of payout has doubled in those jurisdictions that like Calgary refuse to enact breed selective legislation. Before 
(WIVB) - The Elmwood Village is hoping the owner of a dog that bit a child will come forward. The incident happened on Sunday between 8 p.m. and 10 p.m. near Rumsey Road and Lincoln Parkway in Hoyt Lake Park. The Elmwood Village says a white terrier or white terrier mix with no collar bit a boy. Officials are not 
Most states make dog owners automatically liable for all dog bites. A few states require the victim to prove the dog was vicious or that the owner violated an animal control law, such as a leash law. If you are the victim of a dog bite, there are several steps you should take: Get medical attention right away.Large dogs can exert more than 450 pounds of pressure per square inch enough to crush bones. Notify animal control and file a police report about the dog that attacked you. Take pictures of the wound to prove the extent of your injury. Check the laws governing dogs. Most cities require a dog to be on a leash, and some states have vicious dog laws. In Ohio and Maryland, for example, pit bulls are considered inherently dangerous and the owners are strictly liable for injuries they cause. 
The owner of the boxer mix was ticketed for harboring a dangerous animal, failure to restrain a dangerous animal and having an unlicensed dog, Sterling Heights police said. Because the boxer mix was not up to date with its rabies vaccinations, the owner agreed to have the dog euthanized so that it could be immediately tested for rabies, Lt. Luke Riley said. The victim was taken to Beaumont Hospital in Troy and her dog was taken to an emergency veterinary service for treatment of bites and lacerations to its shoulders and chest. The womans condition was not available Wednesday night and police did not know whether her dog survived the attack. According to police, the incident occurred at 8:40 p.m. in the 4800 block of Chadbourne Drive, where the victim was walking her Cairn terrier a breed whose average weight is 15 pounds and average height is 12 inches. 
The tender prepared by the officials of the health and the sanitation wing and MC additional commissioner Sumeet Jarangal, was submitted to the commissioner RK Verma on August 16, after which he suggested some changes in the penalty clause of the tender. After this the tender was supposed to be floated by August 20, but in vain. An official of the health wing said that the commissioner had asked officials to re-structure the tender on August 16 and finally submit it by August 20. However, the tender is still waiting to get re-structured, as a result of which the stray-dog menace continues unabated. Amarjit Singh Sekhon, joint commissioner of the MC, said that tender would be submitted soon to the commissioner. In a meeting on August 16, several points were discussed between the officials and Verma, in which the issue of stray-dog menace was raised. The commissioner is serious in tackling the menace and has been making efforts since long to do away with the problem. Earlier, the MC had asked NGOs to extend help in sterilising stray dogs, but the civic body was surprised to know that there was no NGO registered with the Animal Welfare Board of India and capable of doing the task. 
California New Member I have a dog he is now one and 4 months old , he is a pit bull ,when I saw him I felt in love with him he was only 1 month old when I brought him home , he is very clever and good dog , until 4 months ago he was very sick stomach problems and he was not normal that day me and my brother were sitting in the yard and he was sitting next to us , when my brother started to play with my hair and joking with me he didn't like it and came and jump on my brother ( I think he was warning him to stop it ) but my brother did it again and we were laughing and he jump again and bite my brothers leg and started to through out though he didn't eat well that day my mother came and pulled him away ! my brother (12 years old ) had a injury in his leg toke him 2 months to heal ! my heart was broken you cant imagine the vet told me to kill the dog because pit bull terrier are the worst dogs in the world and they are not loyal ! but I kept him because my parents didn't allow that to happen ! he is doing great know very well I found another vet for him he gave him the treatment he needed for his stomach , but I can't forget that day and I cant trust him as before ! and still I CANT give him to another family because I love him I can;t imagine my life without him ! am afraid that he might bite again any other person from my family is that possible ? I mean we are very careful now we don't joke in front of him he gets jealous when I kiss my brother and hug him ! 
The number nearly doubled between the 2008 and 2012 fiscal years, hospital statistics show. While there are some exceptions, canine experts say the trend points to uneducated and inhumane actions by people, not mean dogs. Too often, owners unwisely try to stop dogfights by getting in the middle of them. In the most recent fiscal year, 328 people were admitted to the University of Arizona Medical Center for dog bites, the data show. Those admitted include both adults and children, and they are typically bitten by their own dogs, says Dr. Tolga Turker, a reconstructive and plastic surgeon at UA Medical Center who treats many dog-bite patients. 
Medical expenses from dog attacks cost the Postal Service just over $1 million last year, officials said. The third full week each May is National Dog Bite Prevention Week and State Farm, the U.S. Postal Service, the American Veterinary Medical Association and CDCP release dog bite statistics and launch campaigns to promote dog safety. Despite the large number of attacks on letter carriers, the Postal Service decided to focus on children for their campaign because a child is 900 times more likely to be attacked than a letter carrier, Maher said. Heredity, training, socialization, health, and the behavior of humans around it can all contribute to a dog's tendency to bite, Martinez said. 
Most people don't do that. They think their dog is the greatest thing in the world and give them freedom with no training." Besenick suggests carrying citronella spray at all times, which can defuse a dogfight. CDC officials advise teaching pet dogs submissive behaviors like rolling over to expose the abdomen and relinquishing food without growling. If a dog develops aggressive or undesirable behaviors, federal health officials say families must immediately seek professional advice from someone like a veterinarian or an animal behaviorist. If it is just a spat, make a loud noise and leave the room. 
"I can't say enough about what those neighbors did. They went toward the danger; they didn't run from it. They went toward to the screams, and they grabbed that woman and pulled her to safety. I shudder to think what would have happened if they hadn't," Police Chief Kevin Wilkinson told ABC. Wilkinson further stated that he will seek to have the dogs declared as Prohibited Dangerous Animals, which means that the owners will have to either euthanize them or move them to a different city. 
But the animal's owner should not have to pay any more than what is legally owed. In today's "get something for nothing" world, it is not uncommon for persons injured on the job or in an accident to try to "milk" the injury into an unjustifiably large settlement or a long period of "disability" payments. An on-site police report can actually be helpful and keep a victim from successfully claiming injuries and complications that could not possibly have been a result of the dog bite. It also proves that the dog owner stayed around to make sure that the victim's medical needs were documented. Maintain Available Vaccination Records It is bad enough having your dog bite a member of the public. It's even worse to end up with your dog getting arrested and hauled off to the doggie lockup because you can't get your hands on proof of vaccination . And heaven forbid your dog should bite somebody, say, on the Friday of a Monday holiday weekend: If you personally possess no rabies vaccination proof and your veterinarian and town clerk are closed for the long holiday, you don't even want to imagine the liability should the victim have to begin antirabies therapy as a result of your negligence. 
The owner of the boxer mix was ticketed for harboring a dangerous animal, failure to restrain a dangerous animal and having an unlicensed dog, Sterling Heights police said. Because the boxer mix was not up to date with its rabies vaccinations, the owner agreed to have the 
1 out of 5 bites are serious, requiring medical attention. About 1000 people daily have injuries serious enough to require emergency room care. In 2011, over 30,000 people required reconstructive surgery as a result of dog bites. Last year, 14 people were killed from dog attacks. What are the most common injuries from a dog attack? Dog bite injuries can range from mild to serious. A dog may nip your finger, or it can cause fatal injuries depending on the situation. Common injuries that result from dog attacks include puncture wounds, face injuries, eye injuries, and scarring. 
Typically the dog will stop. advancing and retreat or will continue to act aggressively from a safe distance. You calmly walk out (not run) of the area into a safe place. The Safecity Repel electronic dog deterrent device will not hurt the dog physically. The ultrasound pitch is a sound that the dog does not like. The animal will try to avoid it. 
I mean we are very careful now we don't joke in front of him he gets jealous when I kiss my brother and hug him ! its possible that he might bite ? and is neutered has a connection with is because I read one story that a dog bite one member of family and they got him neutered !! why is that ? Replies are ordered oldest to newest. 
So the (unlicenced) pit bulls owner is paying the vet bill. Which is no solace to Arlo and his owners, or other neighbours, now understandably fearful in their instantly-devalued homes. Arlos assailants should be euthanized. Instead they will be assessed, after which they may get a second chance, as juvenile first (human) offenders usually do. Trouble is, dogs are not humans. The purpose-bred fighting breed cluster pit bulls represent, genetically programmed for impulsive aggression, cannot be trained into reliable sociability, any more than greyhounds can be trained to adopt the running gait of a sled dog. 
Here is a common local leash law: Every dog shall be leashed at all times except only when it is inside the residence of its owner, or upon the property of its owner that is enclosed by a fence. A dog will be considered to be leashed only when the leash is six feet or less in length or is a retractable leash, and is being grasped by an adult (provided that if the dog is less than 20 pounds then the leash may be grasped by a person who is competent to handle the dog and is over 12 years of age.) If you are walking your dog without a leash, and your city or county has a leash law, you can be held responsible for anything bad that happens as a result of your dog being off the leash. If it chased a child who was riding a bicycle, and caused the child to have an accident by falling off the bike or crashing into something, you would be held liable for that. What about fenced dogs? A dog shall not be considered enclosed by a fence when and if the dog can pass through, under or over the fence, or the gate of the fence is not securely latched. 
Cephalosporins: Antibiotics sometimes given to dog-bite victims Cephalosporins are indicated for the prophylaxis and treatment of infections caused by bacteria susceptible to this particular form of antibiotic, according to the Wikipedia site on cephalosporins . First-generation cephalosporins are active predominantly against Gram-positive bacteria, and successive generations have increased activity against Gram-negative bacteria (albeit often with reduced activity against Gram-positive organisms). Common adverse drug reactions (ADRs) (1% of patients) associated with the cephalosporin therapy include: diarrhea, nausea, rash, electrolyte disturbances, and/or pain and inflammation at injection site. Infrequent ADRs (0.11% of patients) include: vomiting, headache, dizziness, oral and vaginal candidiasis , pseudomembranous colitis , superinfection , eosinophilia , and/or fever. What happens when you have a penicillin allergy and a dog bite? Many of the patients in the study that were given inadequate therapy had a penicillin allergy. Of 13 such patients, only two received an appropriate alternative. The issue health care professions are concerned about are the large number of inadequate treatment scenarios. 
Leading the list of dog bite claims were California, coming in first, with 451 claims costing $17.1 million; Illinois at 337 claims costing $9 million at second; and Texas with 236 claims costing $4.3 million at third. Six states on State Farm's Top 10 states for dog bite claims list had improved from the year before; four Illinois, Texas, Indiana, and Georgia reported more claims. Avoid dog bites: Get sniffed. Always let a dog see and sniff you before petting, says the USPS Consult a trainer. You're liable for your dog's behavior, says Worters. "The most dangerous dogs are dogs that fall victim to human shortcomings such as poor training and irresponsible ownership." Avoid angry dogs. When dogs are angry, they stand forward on their haunches, with ears forward, face tense, teeth showing, hair bristling, and tail stiff and twitching, says Kathy Voigt, founder of nonprofit Prevent the Bite. Watch those kids. 
Luke Riley said. The victim was taken to Beaumont Hospital in Troy and her dog was taken to an emergency veterinary service for treatment of bites and lacerations to its shoulders and chest. The womans condition was not available Wednesday night and police did not know whether her dog survived the attack. According to police, the incident occurred at 8:40 p.m. in the 4800 block of Chadbourne Drive, where the victim was walking her Cairn terrier a breed whose average weight is 15 pounds and average height is 12 inches. As the woman and her dog walked near the home where the boxer mix was kept, the homeowners daughter approached and opened a door to enter, at which time the boxer mix escaped and attacked the smaller dog, Riley said. 
Los Angeles, CA (PRWEB) August 19, 2013 Australian Local Government Minister Don Page has reportedly proposed new legislation that would place much greater restrictions on dogs who exhibit aggressive behaviors, according to a recent report from The Daily Telegraph. According to the article, Page laid out his plans at a state budget estimates hearing, and if enacted, the new legislation would force so-called menacing dogs to be muzzled, even if they haven't bitten anyone. Noted dog attack lawyer Jeff Nadrich recently commented on the story, and its legal implications. According to Nadrich, We know that dog bites are on the rise, but legislation like this may prove controversial. If I understand it correctly, local officials would be able to use their own discretion in determining aggressive behavior, even if the dog has never bitten anyone. Some might argue that this paves the way for abuse, and enables overzealous advocates to unfairly muzzle dogs with no real dangerous tendencies. The Daily Telegraph article further notes that Page's initiative hopes to reduce the number of dog bites in New South Wales. The article quotes Page as saying, The main reason is that we will be able to identify a dog that has been behaving in an aggressive fashion - that is not necessarily a dangerous dog...but one which has shown aggressive tendencies. His plan would reportedly also subject dog owners to increased penalties, and could even ban breeds that are known for aggressive behavior. 
In the 2012, dog bite claims accounted for $489.7 million, which is more than one-third of all homeowners liability claims paid in the year, according to the III. Compare that to 2003, when there were a few hundred more dog bite claims, and yet the claim payouts totaled $324.2 million. 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. 
Some people speculated that the dogs are tall, black gray, and were released by the Chinese. Many people do not dare to go out in the evening for fear of being bitten by a dog. However, local officials said that these dogs looked very normal but their origin is unclear. The health of the 50 people bitten by strange dogs remained stable. "It may be strange dogs from Thai Nguyen Province because Bac Son is bordering Thai Nguyen, or the dogs may be of local people but they did not realize when their dogs bite people," said an official of Soc Son district. 
The number includes 26 incidents involving children. It's sparked one Norfolk victim to come forward to share her story, in the hope it'll warn others of the dangers of unpredictable animals. Annie from Norfolk was walking to visit a friend last summer when it happened. She said: "All I can remember, it seemed a bit of a blur, I felt a sharp pain in the my leg and I looked down and the dog had jumped at me and sunk its teeth into 
No eye contact, no talking, no moving. Rover should soon stop and look for something else to do. Have a family member grab his attention now and distract him or remove him from the situation as the moment you start walking again he'll come back for more. In some cases though, dogs become more hyper when you freeze, why is that? Simple, the dog has learned that if he nips more and more you'll eventually move.