Will rates increase after having a dog bit claim filed against you? Does it stay on your record forever or does it eventually drop?

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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: Mar 9, 2017

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Insurance Question from Orange Park, FL

Asked on 03/09/2017

Will rates increase after having a dog bit claim filed against you? Does it stay on your record forever or does it eventually drop? NULL

Answer given on March 11, 2017

Homeowner insurance companies have a major issue about dog bite claims. Generally you get one claim paid out but most insurance companies will then non renew your insurance unless you get rid of the animal. This can be difficult as many people do not want a dog that already has bitten someone and if their insurance company learns of it, they will be in jeopardy of losing their insurance. You could lose any claim free discount that you enjoy and some companies have other surcharges.If you do get rid of the dog, you make sure your insurance company is aware that the dog is gone. If you replace your dog the insurance company will probably ask information about the dog such as its breed, age, gender. They may still refuse to continue your insurance depending upon those answers. Many insurance companies have a list of certain dog breeds that they will not insure. Sometimes they do not ask about the breed when your insurance is new, but after a claim they will be more aware and will ask extra questions.

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