What are my rights if I got the top of my finger bitten off trying to save my small family dog from my neighbor's pitbull which was on my property?
Question Details: Their dog got out of the gate because they forgot to shut it. My dog had stitches because his neck was biten open. I went in the ambulance and had my fingrr sowed on at hospital. However, their homeowners insurer says that it doesn't have to because their insured had a pitbull. Can I sue - the insurance company or the homeowner?
Your claim is always against the homeowner. In Texas, you cannot sue the insurance company directly. However, I do not know why the carrier would be denying coverage unless there is an exclusion for the neighbor's dog in the policy. Either way, you need to contact a personal injury lawyer. I would not recommend that you have any further communications with anyone about this incident until you consult a lawyer. I am willing to discuss your case with you for free and go over all your options.
