Limits on Dog Bite coverage

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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: Sep 30, 2011

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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.

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