In Kentucky, dog owners can be held liable for injuries their pets cause if the owner knew the dog had a tendency to cause that kind of an injury or if the injury was caused by unreasonable carelessness on the part of the owner. Kentucky’s one-bite rule provides that a pet owner is only liable for injuries caused by his dog if the animal had previously demonstrated vicious behavior, such as biting or otherwise displaying a vicious propensity towards others.
Homeowners and renters insurance policies typically cover dog bite liability. Most policies provide $100,000 – $300,000 in liability coverage. If a claim exceeds the policy limits, the dog owner can be held personally responsible for all damages above that amount.
Most insurance companies will insure homeowners with dogs; however, if a dog has bitten someone, it then poses an increased risk to others and in such cases the insurance company may charge a higher premium or exclude the dog from coverage.
In most cases, it will not be possible to tell you what the settlement value is of your or one of your children’s dog bite claim until after the facts have been investigated, liability is determined and you have concluded your medical treatment. Factors bearing on the total worth of the claim include the extent of the injury caused by the bite, including any cosmetic or facial injuries; amount of medical expenses; any permanent impairment of one’s ability to work and any permanent pain an individual may suffer as a result of the dog bite.
The Shelton Law Group specializes in handling personal injury claims such as dog bite claims. After we have been contacted by a dog bite victim, we will immediately investigate the facts surrounding the dog bite, including whether the owner of the dog had any knowledge of his/her pet’s vicious propensity prior to the client being bitten. The Shelton Law Group will make contact with the pet owner’s insurance company and after the client has completed medical treatment, very often is successful in settling the dog bite claim with the insurance company without the necessity of filing suit. However, if it is necessary to file a lawsuit, the Shelton Law Group’s experienced and very successful trial team can provide the best possible representation for the client pre-trial and at trial.
If you or a loved one has suffered a dog bit injury and would like to seek compensation for that injury, please call the Shelton Law Group at 1-888-761-7204 or (502) 409-6460 or visit www.robsheltonlaw.com today.