Insurers within the U.S. paid out about $1.6 billion in dog-related damage claims in 2024, in response to information compiled by the Insurance coverage Info Institute (Triple-I) and State Farm.
The variety of canine chunk and associated damage claims final yr totaled 22,658, a rise of practically 19% from 2023 and a 48% improve over the previous decade, with the whole price of claims reaching about $1.6 billion, in response to Janet Ruiz, director of strategic communications at Triple-I.
The common price per declare elevated 18%, from $58,545 in 2023 to $69,272 in 2024. The fee has gone up about 86% during the last decade. California, Florida and Texas topped the checklist for many claims.
The report was launched at the side of Nationwide Canine Chunk Prevention Week (April 13-18).
Canine bites stay a severe public well being danger, with greater than 4.5 million individuals—largely kids—bitten every year nationwide.
Almost half (45.5%) of U.S. households embody canines, for a complete of practically 90 million canine companions in the USA.
In response to Triple-I, householders and renters insurance coverage insurance policies normally cowl canine chunk legal responsibility authorized bills, as much as the legal responsibility limits (usually $100,000 to $300,000). The canine proprietor is liable for all damages the declare restrict. A minimum of two states, Pennsylvania and Michigan, have legal guidelines that prohibit insurers from canceling or denying protection to homeowners of explicit canine breeds. Some states might exclude protection after a canine chunk, equivalent to Ohio, which additionally requires homeowners of canines which were categorized as vicious to buy no less than $100,000 of legal responsibility insurance coverage.
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