Dog bite injury claims are unique claims, to the extent that they can fall under one or more different types of insurance. In most cases, dog bite victims file a claim under the dog owner’s homeowner insurance policy, or a commercial property insurance policy in the case of businesses. Sometimes renters’ insurance also provides benefits.
You are likely unaware of all the policies the dog owner has, so you need to get information for every policy they carry. Sometimes, an umbrella policy related to other property covers dog bite injury claims. Your lawyer can handle communications and get the relevant information to exhaust all possible insurance policies. You might find that the dog owner has insurance coverage that will cover your damages in full.
If the dog owner does not own a home or business and carries no insurance that will cover your claim, you may need to file a lawsuit directly against the owner for damages related to your injuries. While you wait to resolve your claim, your health insurance might cover some or all of your medical expenses, depending on your coverage.