Insurers paid more than $1 billion in dog-related injury claims in 2022, a 28% boost over 2021 although the variety of claims reduced in 2015, according to the Insurance Information Institute (Triple-I) and State Farm.
There were 17,597 dog-related injury claims in the U.S. in 2022, below 17,989 in 2021, according to a Triple-I analysis of house owners insurance coverage declares information. Despite a 2.2% decrease in the variety of claims, the overall cost of claims increased considerably—from $882 million in 2021 to $1.13 billion in 2022.
The typical cost per claim was $64,555 in 2022, a 31.7% boost from $49,025 in 2021. Across the U.S., the average cost per claim increased 131.7% from 2013-2022 due to increased medical expenses in addition to the size of settlements, judgments and jury awards offered to complainants, which are trending up.
More than a 3rd of the dog-related injury claims in 2022 were submitted in 5 states: California (1,954 claims), Florida (1,331), Texas (1,017), New York (969) and Michigan (905). California likewise had the greatest average cost per claim at $78,818, followed by Florida with an average cost of $78,203.
In 29 states, dog owners are accountable for injuries brought on by animals, with some exceptions such as if the dog was provoked, according to a Triple-I analysis of dog bite laws assembled by the American Property Casualty Insurers Association (APCIA) since March 2021. There are no laws for dog bites in 4 states—Arkansas, Kansas, Mississippi and North Dakota.
Homeowners and occupants insurance plan normally cover dog bite liability legal costs as much as limitations normally in between $100,000 and $300,000. Some insurance provider will not guarantee house owners who own dogs classified as harmful. Others pick a case-by-case basis, according to Triple-I. Pennsylvania and Michigan have laws that forbid insurance providers from canceling or rejecting protection to owners of specific dog types in some policies.
According to information compiled by Triple-Iabout 69 million U.S. homes own dogs. About 4.5 million individuals are bitten by dogs each year – the majority of them kids.
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