Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Sep 30, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from North Hollywood, CA

Asked on 09/30/2011

Limits on Dog Bite coverage I was bit by a friends dog, my medical bills came to $48,000, had to have surgery. Her policy has personal injury coverage to $300,000. but the insurance capped dog bite at $10,000. Can I get from the insurance co. over the cap for medical bills & pain & suffering?

Answer given on October 02, 2011

If the homeowner policy for your friend has a limit in the policy for dog bite coverage, then the insurance company is not going to pay any additional amounts for your medical bills and/or pain and suffering. Those are considered a part of the limitation of the policy and cannot be added to any other part of the policy. You should ask to see the clause, or limitation in the policy, to be sure it specifies such a limitation.You do have the right to sue your friend, but the insurance company will deny coverage for the suit and your friend will have to pay for his own defense.If you had medical insurance then that policy should pay for your remaining medical bills, but not pain and suffering. After that part is settled, maybe you can ask your friend to pay for your deductible and any co-payments that you had to pay out of pocket.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.