Re: Am I liable if my dog bites someone?
To answer this question, a huge YES.<br /><br />But here's another twist to this topic...about 10 years ago when I was an auto appraiser for a major insurance company (to be unnamed at this time, but trust me, you've heard of them) I was temporarily put on a huge special-project task force that was put together with one purpose:<br /><br />To drive by every individual home in the USA that we insure, look for what "appeared to be" vicious breeds (they gave us a list of breeds/photos including pit bulls, rotts, dobermans, german shepards, akitas, mixes of any of the above, and I forget what else), take a digital photo of the dog (sometimes quietly sleeping, wagging it's tail, or on one occasion actually licking my hand) and document the address, and turn it in to our underwriting department.<br /><br />Didn't matter if they were fenced or chained, friendly or barking...if they were inside a window or outside the house, attended or unattended. If we caught it on a camera, the company sent a letter and simply "non-renewed" (the legal way for insurance companies to cancel a customer who has done nothing specifically wrong) the customer at their next renewal date. Didn't even give them a warning or a chance to get rid of the dog. Just sent 'em packing....Then they rewrote their insurance policies and applications to exclude homeowners coverage to anyone with these breeds or mixes of these breeds.<br /><br />Why did they do this? Dog bite liability claims were rapidly destroying their profitability. So they basically cancelled everyone with a dog that "appeared" vicious.<br /><br />This is common practice in the insurance industry. If you have any of those breeds and they find out, it is likely your claim will be denied or you will be cancelled. And the fine print in your homeowners policy usually stipulates that the insurance company is free to inspect your property at any time, unannounced. And they DO have spies are out there, so beware.