More than 4.5 million Americans are bitten by dogs each year, according to the American Veterinary Medical Association, and the CDC reported that 1 in 5 dog bites require medical attention.
Dogs and dog bites have long been a concern among insurance personnel. Underwriting has to determine whether or not to write a policy when a dog is in the house, and claims adjusters have to settle claims when a bite has occurred. Each state has statutes dealing with the issues of liability laws, the definition of dangerous dogs and leash laws.
States have moved from statutes governing ownership of certain breeds to using behaviors to define a dog as dangerous and making restrictions around those dogs, regardless of breed.
Once a dog has been defined as dangerous the owner may be required to obtain particular limits of insurance, keep the dog in a fenced or other secure areas, leash the dog while off premises and other requirements.
Although the thought of dog bites conjures images of certain breeds, the CDC noted that any dog can bite. Dog owners can help prevent dog bites by socializing their pets, avoiding rough play and using a leash in public.
If you are approached by an unfamiliar dog, the CDC recommends:
- Staying calm and being still, while avoiding direct eye contact.
- Do not make loud noises or run.
- Stand with the side of your body facing the dog.
- Say "no" or "go home" in a firm, deep voice.
- Slowly raise your hands to your neck with your elbows in and wait for the dog to pass or slowly back away.
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