It is spring once again in North Texas. So, both dogs and people will once again be out and about in force. Every year, dogs bite about five million people. A significant number of these victims go to hospital emergency rooms, where they later require extensive surgery and physical rehabilitation.
According to the Centers for Disease Control, dogs bite over 4.7 million Americans a year. A significant number of these incidents require emergency care for serious injuries.
In 2018, homeowners' insurance companies paid some $675 million to resolve dog bite claims. That amount has increased steadily over the past several years, as have the number of claims and the per-claim average dollar amount.
In Texas, dog bites are one of the leading types of homeowners' insurance claims. Largely due to rising medical bills, the average claim amount has increased significantly since 2003.
As doctors better understand the nature and extent of dog bite injuries, the amount of damages has gone up. In fact, average compensation in dog bite claims has nearly doubled since 2003.
Since 2014, the average dog bite settlement has increased 16 percent, to over $37,000. Higher medical expenses explain part of that increase. Better understanding and treatment of dog bite injuries play a role as well.
The average injury settlement in dog bite cases has increased 94 percent since 2003. These attacks are much more violent than many people believe. When animals attack, the knockdown alone usually causes broken bones and other injuries. Then, when dogs bite, their teeth cause deep puncture wounds as well as severe tearing wounds.
Mostly due to better injury diagnosis and treatment, the average dog bite claim has increased 94 percent since 2003.
Animal attack injuries are one of the most common homeowners' insurance claims in Texas. Furthermore, since medical and psychological knowledge has increased in this area, the average claim amount has skyrocketed 75 percent since 2003.