Dog Owners: Protect Yourself from Michigan Dog Bite Liability
Dogs bite close to 4.7 million Americans each year. About 800,000 of these bites require medical attention. If your dog were to bite, would you be covered?
Due to the alarming frequency of dog bites and dog attacks, Michigan dog owners are encouraged to protect themselves from liability. It's as simple as getting covered for keeping a dog as a house pet by a homeowners or renters insurance policy.
Check with your insurance carrier to make sure your new or existing policy includes liability coverage. Coverage typically ranges from $100,000 to $300,000. If the victim's claim exceeds that amount, you will be responsible for the additional damages.
Most insurance companies will insure homeowners who keep a dog as a house pet in Michigan. However, once a dog has attacked someone, your coverage may change. The insurance carrier will likely deem the dog an increased risk and take one or more of the following steps:
- Raise your premiums
- Exclude the dog from coverage
- Require you to sign a waiver of liability for dog bites
- Make coverage contingent upon the dog successfully completing obedience courses
To protect yourself against the highest levels of liability for dog bites, Michigan dog owners should consider an umbrella liability policy. Umbrella policies protect the insured against personal liability, as in the case of a dog bite. Coverage ranges from $1 to $10 million. These policies are inexpensive, costing approximately $200 per year for the first $1 million in coverage.
Though it is recommended that Michigan dog owners carry liability insurance, Michigan dog owners should take proper precautions to prevent Michigan dog attacks from occurring in the first place. See Tips for Keeping Your Dog from Biting for a thorough listing.
Michigan dog bite lawyer Michael Morse will answer your questions regarding liability in a Michigan dog bite cases FOR FREE. Contact us today!
Michigan Dog Bite Law Information:
- Answers to Common Dog Bite Questions
- Dog Owner Liability Under Michigan Law
- How Michigan Dog Owners Can Protect Themselves from Liability
- Michigan Dog Bite Liability Law
- Michigan Dog Leash Law
- Arrange a Free Consultation
Michigan dog bite lawyer Michael Morse has successfully litigated cases for over 15 years for a total of more than 100 million dollars.
"My husband and I were out riding our bikes when a loose dog ran up and bit my husband. It was quite an ordeal. Fortunately, the dog bite lawyers at Michael Morse P.C. were very helpful in taking care of the paperwork and getting us a settlement that covered all of our medical expenses and damages for pain and suffering. I whole heartily recommend the attorneys at MichAel Morse P.C. to anyone who has to go through something like our family did."
-Sharon Johnson
Royal Oak, Michigan
Michael J. Morse
Attorney and Counselor at Law
25657 Southfield Road |
28838 Van Dyke |
248.350.9050
After Hours: 1.800.281.0606
Michael@Dogbite-Attorneys.com
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