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07 Apr

The Role of Homeowners Insurance in Ohio Dog Bite Cases

In Ohio, many dog bite cases are covered by homeowner’s insurance policies. In this
blog post, we’ll take a closer look at the role of homeowner’s insurance in Ohio dog bite
cases.

1. Coverage
Most homeowner’s insurance policies provide coverage for dog bite incidents. This
coverage can include medical expenses, lost wages, and other damages resulting from
a dog bite. Some policies may also cover legal expenses if the owner is sued for
damages.

2. Limits
Homeowner’s insurance policies typically have limits on the amount of coverage
provided for dog bite incidents. These limits can vary depending on the policy, but they
are often in the range of $100,000 to $300,000. If the damages in a dog bite case
exceed the policy limits, the owner may be personally responsible for the remaining
amount.

3. Exclusions
Some homeowner’s insurance policies may exclude coverage for certain breeds of dogs
or for dogs that have a history of aggressive behavior. If the policy excludes coverage
for dog bites, the owner may be personally responsible for any damages resulting from
a dog bite.

4. Reporting Requirements
If a dog bite incident occurs, the homeowner may be required to report it to their
insurance company. Failure to report the incident could result in the policy not covering
the damages.

5. Negotiation and Settlement
In many cases, the victim of a dog bite will negotiate a settlement with the homeowner’s
insurance company rather than pursuing a lawsuit. A skilled dog bite lawyer can
negotiate with the insurance company to ensure that the victim receives fair
compensation for their injuries and other damages.

Conclusion
In Ohio, homeowner’s insurance policies often provide coverage for dog bite incidents.
However, there may be limits and exclusions in the policy, and reporting requirements
must be followed. If you’ve been bitten by a dog in Ohio, it’s important to understand the
role of homeowner’s insurance in your case and to work with an experienced dog bite
lawyer who can help negotiate a fair settlement with the insurance company.

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