State law establishes that owners are strictly liable for the harm their dogs cause when biting someone. The state generally does not, however, get involved to force insurance companies to pay the claims of dog bite victims promptly and fully. Instead, you must through the claims process with the insurance company. Hiring an attorney helps even the negotiations playing field. Insurance companies are a lot less likely to bring out their worst behavior when handling your claim if they know you have an advocate on your side who knows their tricks and their legal obligations.