How do I find insurance when I have an open claim still pending for about a year?

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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...

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UPDATED: Jul 17, 2012

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Insurance Question from Chesney Shores, IL

Asked on 07/17/2012

How do I find insurance when I have an open claim still pending for about a year? Where do I find insurance companies that will start a policy when I got a dropped policy due to a dog bite claim that is still open? I have been searching for a month now and no results in my favor. A non-vicious dog.

Answer given on August 16, 2012

Homeowner insurance policies are very restrictive when a dog bite is involved. Insurance companies say they pay more in claims for dog bites than any other claim, since the settlements and medical costs can skyrocket.If your insurance company has non-renewed you because of a dog bite you will find it difficult to find a replacement policy. The fact that the dog is not vicious is irrelevant since the dog has shown it can be aggressive and bites. You may have to get rid of the dog in order to find new insurance. If you get rid of the dog, talk to your current insurance company, they may be willing to take you back if the dog is gone.If you still have the dog you may have to find a specialty policy and it will include an exclusion for dog bite claims. You should talk to an independent agent or broker as they have access to specialty companies that can write a policy with special exclusions or endorsements.

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