When Dogs Bite, Home Insurers Pay Average $32,000

May 15, 2015

  • May 15, 2015 at 2:16 pm
    Agent says:
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    Hey Ron, guess what. NY leads the country in cost per bite claim. Why am I not surprised?

    • May 15, 2015 at 4:55 pm
      Agent says:
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      Sure would be nice if the article broke down the bites and cost by breed. Something tells me the Pit Bulls would lead the pack by a big margin in frequency and cost.

      • May 18, 2015 at 9:19 am
        Dan says:
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        Assumptions are fun….yay!

        • May 18, 2015 at 10:03 am
          Rosenblatt says:
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          hahahaha

      • June 2, 2015 at 5:32 pm
        RT says:
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        Only because many pit bulls are owned by irresponsible idiots interested in dog fighting and breeding.

        I have raised a 10-year-old male pit bull from birth who has never bitten anyone (or even attempted to). My sister-in-law’s 15-lb terrier, however, has bitten every child in the family.

      • November 7, 2017 at 11:42 am
        Nicholas says:
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        And…. why is that?

  • May 15, 2015 at 5:37 pm
    JJ says:
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    Hidden due to low comment rating. Click here to see.

    • May 15, 2015 at 5:51 pm
      Agent says:
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      I guess you didn’t read the article a year or so that had Pit Bulls leading all other breeds in bites even though their population is small by comparison. Pit Bulls don’t just bite, they maul and kill children and older adults. Are you saying a little Chihauaha or a Cocker can cause a $56,000 bite cost in NY? I have a feeling it is probably Pit Bulls, Dobermans, Rotwilers or some other attack dog. I know what is on the forbidden list of all my carriers. Chihuauhua’s and Cocker Spaniels are not on them.

  • May 18, 2015 at 9:51 am
    Kirk says:
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    I agree and disagree with both of the comments. Severity is an issue on Pit Bulls as is an unbalance in frequency. However with some of these breeds we also have an unbalance in quality of owners and knowledge of their animals. I have had a few Rottweiler and they were as good if not better than any lab. However I have also spent several hours in training classes and walking my dogs and putting them in situations with kids and multiple people and so on. In other words it takes active work. Also the statistics need to show not only breed but how many were together. Most viscious dog attacks involve 3 or more dogs….regardless of breed! And some people are just plain stupid like the guy who tried to give me a free aridale/rott mix puppy. What a stupid combo. Finally of viscious animal…or any animal attack how many were intact vs spayed or neutered?. One more point…how many large breed attacks had to do with teeth vs. size. In other words a great dane causing a 50,00 claim is no surprise but biting someone to do it would be rare. The most expensive dog claim I have seen came from a bull dog that could not stop and ran through a persons leg ast a bbq chasing a ball.

    • May 18, 2015 at 12:12 pm
      Agent says:
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      Apparently you haven’t heard the stories of Pit Bulls killing small children and senior citizens who cannot fight them off. I have seen them. Would you leave your small child in the back yard playing with a Pit Bull? If you would, I think it would be a big mistake.

      • May 18, 2015 at 12:57 pm
        Rosenblatt says:
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        I think you missed Kirk’s point that there are a bunch of factors which must be understood with this topic which includes ***but is certainly not limited to*** just the breed of the animal.

        I do not want to speak for him, so please feel free to correct me, Kirk, if I also missed your point.

        • May 18, 2015 at 4:04 pm
          Agent says:
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          Rosenblatt, if you and Kirk would care to go onto Dogbite.org, you will find statistics that show that 88 people died last year from dog bites between 19 breeds. Of course, Pit Bulls accounted for 59% of the fatal attacks. 52 of the 88 deaths from one breed which is a small dog population of the total. I think you would agree that this is not an enviable track record for one breed of dog. If it were up to me, I would put them all to sleep.

          • May 18, 2015 at 4:40 pm
            Rosenblatt says:
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            Kirk wrote, “Severity is an issue on Pit Bulls as is an unbalance in frequency.”

            I do not know why you, Agent, are trying to prove to him something that he has already acknowledged to be true.

            Once again, I think you missed Kirk’s point that a bunch of factors must be understood here, one of which ***but certainly not the only factor*** is the breed of the dog.

            Once again – I do not want to speak for him, so please feel free to correct me, Kirk, if I am still wrong about what you’re saying.

          • June 2, 2015 at 5:35 pm
            RT says:
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            Oh, that explains it. You get all your “facts” from dogbite.org. While I don’t disagree that pit bulls cause a large number of injuries and losses, it is the owner who is at fault – if only the data would show what type of socialization, training, and environment these dogs were raised in, now that would show you where the problem is from.

            And yes, I have three young children, all who play with my pit bull – both supervised and unsupervised. He actually protects them from my other dog, who can be quite “bouncy” when he gets playful. Imagine that – a pit bull protecting young children he knows are “his people.”

  • May 18, 2015 at 5:28 pm
    Agent says:
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    Well Rosenblatt, I have put up with vicious dog apologists for several years. It is amazing to me how they continue to apologize for the harm these dogs do. “Oh, they are just the most pleasant dogs to be around”. “We don’t know why they just attacked an innocent person and mauled them”. Vicious breeds are vicious breeds and I suspect it is in their genes and that is why people worry about being exposed to them. By the way, Kirk disappeared on us.

    • May 19, 2015 at 11:17 am
      A different Dan says:
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      Assumptions are fun….yay!

      • May 19, 2015 at 11:51 am
        Agents says:
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        Don’t let those pesky facts get in your way different.

        • May 22, 2015 at 5:20 pm
          Agent says:
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          Booger, you can stop now posting under my moniker. It is disgusting that you won’t come out of hiding.

  • May 21, 2015 at 12:33 pm
    Agent says:
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    I think you’ve all missed the point in that this article was to inform and show statistics. You can’t just call out one breed for fatalities and attacks. Akitas, Huskies Mastiffs, Great Danes and German Shepards are also large dogs that are probably high on the attack list and all people can talk about is pit bulls. Just because a dog ‘looks aggressive’ doesnt mean it is.

    It’s close minded to attack one breed simply because the people who own them are unable/too lazy to train them. Any dog left alone with a child can do harm, but most dogs that are not on the ‘dangerous dogs list’ are seen as ‘family dogs’ and are thereby bought and trained by good owners who want to care for a pet. ‘Dangerous’ dog breeds are from shelters, adoptions, and puppy mills and immature and irresonsible owners purchase them because they are cheap and just want a dog to have a dog, not train it to act properly, resulting in attacks and bad behavior.

    Also, while small dogs would obviously not do as much harm as a 70-100lb animal, the frequency of bites I would bet is much higher, it’s just not reported. They show aggressive behavior and nip, but because they are small no one cares. Ive only ever been bit by one dog, and it was a little ankle biter who attacked anyone she saw.

    • May 21, 2015 at 4:18 pm
      Hypocrite Detector says:
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      The second post on this article was from Agent who wrote “Something tells me the Pit Bulls would lead the pack by a big margin in frequency and cost.”

      The last post on this article is from Agent who wrote “You can’t just call out one breed for fatalities and attacks”

      • May 22, 2015 at 10:09 am
        Agent says:
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        Hey Hypocrite Detector! Someone named “boogereater” has been posting on my moniker again. It is pretty easy for a troll to do that, by the way. Now, you can apologize to me. Pit Bulls are a nasty breed that bites, mauls, maims and kills people. The facts back me up.

        • May 22, 2015 at 10:47 am
          Hypocrite Detector says:
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          EVERY TIME someone named Agent posted in this article referencing Pit Bulls it was someone who stole your name? That seems unlikely. You always comment to the fake Agent when he posts under your name about how he needs to stop and how it is not really you who is posting, but you did not do that any of the supposed 6 times fake Agent posted in this article? That is suspect.

          • May 26, 2015 at 2:58 pm
            FFA says:
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            H/D, there are some people in this forum that are just not adult enough to take credit/blame for their comments. So, they just use someone else name and post under that just to cause an argument.

            Its an unanimous so what the point? Juveniles…

          • May 28, 2015 at 6:04 pm
            Agent says:
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            FFA, this is close to home for you. A story came out that happened on the south side of Chicago about a Pit Bull mauling and killing a small black child. The dog was a resident of the home and not a stray. Several people tried to beat the dog and it would not turn loose. What a tragic situation because the owners kept a dangerous dog in their household.

          • August 12, 2015 at 9:25 pm
            MrInsBrokerSF says:
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            Some responses on this subject are highly emotional due to either the level of pain caused by the injuries and deaths caused, and the love of the breeds responsible.

            When dogs bite people suffer. Whether it is the dog’s fault or the owner’s fault, the injured party or death person is still the victim. Seigfried & Roy slept with their tigers
            for many years before one took a bite out of Roy that almost killed him. Some of the most dangerous dog breeds are capable of that IF the right stimulus provokes that
            attack or defend response in them. It’s a bit like bringing your children up around
            weapons. If they learn to respect them, most times no problems, but if they start
            playing with them usually something tragic happens.

            I can see the beauty people are attracted to in pit bulls, and other breeds, but I also respect how dangerous they can be when they are out of control. They are reputed
            to lock on and not let go. As libertarian as I prefer to be, there are times when good old common sense needs to be applied – like getting a driver’s license to drive a car, but needing a different license for a motorcycle or a 18 wheeler. Maybe we need training to be passed first before people can take control of a deadly weapon?

            I wish we had stats on the actual types of bite cases that occur: ie:
            1> Person playing with their own dog is bitten.
            2> Pregnant woman is attacked for no apparent reason by her own dogs (Pacifica,
            CA).
            3> Dog is minding it’s own business when cop enters it’s territory, dog alerts, cop
            feels threatened and shoots dog. We call that murder! The cop calls it self
            defense.
            4> Dog is OK until kid pulls its tail, or pokes it in the eye. Dog bites kid in reaction.
            5> Dog left home alone, breaks out, chases down people to bite.
            6> Dog staked and chained is teased or threatened by mean kids, dog taken revenge
            on the stupid one who gets too close.

            People always ask us if they can pet our Huskies. I say NO. If you let them check you out first, then they’ll let you know if it’s OK. Do they bite? Do they have teeth? I think a big part of our problems are cartoons and movies that make wild
            animals talk and seem like cuddly friends. IF you have developed a close bond with
            an animal, it is more likely to defend you than to attack you. In the case of some
            animals, they may even accept a great deal of human abuse. Our Huskies have taught us that they can indeed tell the difference between rough playing, being
            disciplined, and anger. Dogs are one of the animals that tends to warn us before
            they attack, unless like a snake, we step on them.

            Insurance companies don’t need our defense. They have armies of lawyers to defend them. What we could all use is more and better dog training. Our trainer Lena is great! Of course it would also be great if we didn’t have anti social people abusing dogs to fight. And puppy mills.

            If all the pit bulls were gone tomorrow, this subject would just shift the the next breed on the list. I think insurers should charge based on the breed, owner experience, and number of dogs in the home. Something to my knowledge none of them do. And by the way. While they all complain about dogs making up such a
            large portion of total Liability claim payments, they forget to tell us how much money
            they still made. In my book insurers need to make a profit, but they also need to
            make a market for reasonable people.

  • May 21, 2015 at 4:20 pm
    Hypocrite Detector says:
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    Hidden due to low comment rating. Click here to see.

  • February 21, 2017 at 3:27 am
    Brian says:
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    I was bitten twice by an unvaccinated Pitbull that even had a history. I’m pretty sure it was trying to kill me. It sucked really bad but I’m looking file a claim with the insurance company now. Sounds like I could be getting paid.



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