Will rates increase after having a dog bit claim filed against you? Does it stay on your record forever or does it eventually drop?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Mar 9, 2017
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 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.
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.