Real Estate News

Insurance and Animal Bites


Written By: Benny L Kass
Wednesday, February 13, 2019

Answer: Over 4.5 million people are bitten by dogs each year, and according to the Centers for Disease and Prevention CDC almost half were children. And 1 out of 5 bites become infected, with such diseases as rabies, MRSA ndash; a type of Staph infection, or different types of bacteria such as capnocytophaga or pasteu>

In fairness to dog owners, the CDC reported that during the early part of this century, more cats than dogs were determined to be rabid. ldquo;The majority of these cases were associated with spillover infection from raccoons in the Eastern United States,rdquo; CDC said, ldquo;and the larger number of rabies-infected cats might be attributed to fewer cat vaccination laws, fewer leash laws and the roaming habits of cats.rdquo;

Typically when a person is bitten ndash; and is infected or seve>

Because of the volume of claims, many insurance companies are now refusing to insure homeowners or community associations where certain brands of dogs are present. Dogs such as pit bulls, rottweilers, akitas and chow-chows are often labeled as ldquo;dangerousrdquo; and insurance companies will either exclude injuries from these dogs or significantly increase the annual premium. You should immediately confirm with your insurance agent whether your policy covers dog bites, and from all kinds of dogs.

For years, the law around the country was called the ldquo;one-bite rulerdquo;. Owners ndash; regardless of the kind of animal ndash; would only be held responsible and liable for injuries caused if the owner knew or should have known the dog has dangerous propensities abnormal to its >

Virginia still follows this rule. However, the owner may face criminal penalties if a ldquo;dangerous dogrdquo; causes injury or death. And all of the surrounding counties have some form of ldquo;leash lawrdquo;, requiring a dog to be on a leash at all times when outside of the home environment. Additionally, all dogs over four months old must be properly registered with the local county.

In the District of Columbia, dogs must be leashed, vaccinated and registered. The Mayor ndash; acting through one of her agencies ndash; has the power to impound a dangerous animal, defined as an animal that because of specific training or demonstrated behavior threatens the health or safety of the public. The ldquo;one-biterdquo; rule does not apply; if a dog injures a person while at large, lack of knowledge of the dogs vicious propensity will not necessarily be a defense; the court will look at all of the facts in order to determine if the owner was negligent.

Maryland has an interesting dog law history. In 2012, the highest court in the state ruled that pit bulls are ldquo;inherently dangerousrdquo; and such a dog owner could be held to strict liability in the event of a dog bite. According to the court, ldquo;it is not necessary that the pit bulls owner have actual knowledge that the specific pit bull involved is dangerousrdquo;.

Pit bull owners ndash; and many other dog lovers ndash; rose up in arms, claiming this law unfairly singled out specific breeds. Accordingly, the Maryland legislature enacted a law that in essence repealed the high court ruling, thereby adopting a strict liability approach for any dangerous animal. According to the new law, a dangerous dog is one, that without provocation, has killed or inflicted severe injury on a person. The law does, however, allow the dog owner to claim the defense of contributory negligence; the plaintiff cannot win if he contributed in any way to the dog bite.

Maryland is unique in that the state law governs the specific licensing and other regulations certain counties may adopt or enforce. And many of the local counties, have, in fact, determined certain dogs as ldquo;dangerous.

What can your association do? Adopt a rule that all dogs must be leashed when outside of the homeownerrsquo;s property, and require that all dogs register with the association, and show proof that the dog has been properly vaccinated. Furthermore, the rule should state that if any one is bitten by a dog, regardless of whether it was on a leash, the owner will be subject to a hearing and a possible fine. Furthermore, if any more incidents occur, unless the dog owner agrees to muzzle the dog when outside, the dog can be permanently removed from the area. In some cases, legal action may be necessary.

And most importantly, the Board should confirm that the association has the necessary insurance coverage. People sleep better knowing there is insurance.

In Maryland, the state dog is the Chesapeake Bay Retriever; the American Foxhound is the Virginia state dog. There is no such ldquo;Staterdquo; dog in Washington.



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Updated: Friday, February 22, 2019


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