Baltimore Dog Bite Lawyer

I was speaking with Frank a friend of mine that is a Baltimore dog bite lawyer and he was explaining to me that there have been a number of changes in dog bite law and dog bite insurance over the last few years. For example State Farm, the nation's largest homeowners insurer, says it welcomes all dogs, except those with a history of biting. American Family Insurance has a list of five breeds it won't insure, saying they cause more liability claims than others. Farmers Insurance Group has dog-by-dog restrictions and has a no-tolerance policy for bites. Prospective Farmers policyholders are asked to report whether they have a “vicious animal” on the premises, which leaves some discretion to the homeowner. My friend Frank the Baltimore dog bite lawyer also told me that once there is a claim, the pet is specifically excluded from coverage. The company also won’t take new business from people who have had dog-bite claims in the last three years, even if the family no longer owns the pet. Mercury Casualty Company offers a 10 percent discount on homeowners insurance for families that don’t own a dog or are willing to take their dog off their policy. These changes are worrying my friend the Baltimore dog bite lawyer as they really aren’t good neither for dog owners who might find that they are without coverage nor for the victims of dog bites who may be left with scarring and emotional injury as there isn’t enough being paid out by the insurance company that is supposed to be covering the dog. It is very important that anyone taking out a dog bite liability insurance coverage plan look carefully into what is available on the market and also talk with a lawyer like my friend in Baltimore that specializes in dog bites and dog bite litigation.