Most dog bite claims are paid by the dog owner’s homeowners or renters insurance, not the owner personally. Depending on your state, the owner may be responsible because of a strict liability statute, a “one-bite” rule (they knew the dog was dangerous), or ordinary negligence such as breaking a leash law.
When you probably need a lawyer
- The bite broke the skin and needed stitches, surgery or ongoing care.
- There’s scarring, especially on the face, or nerve damage.
- A child was bitten.
- The owner or insurer denies responsibility or offers very little.
What to do right now
- Get medical care (dog bites infect easily) and keep every record.
- Get the owner’s name, address and insurance information, and the dog’s vaccination status.
- Report the bite to animal control or the local health department.
- Photograph the wounds as they heal, the location and any torn clothing.
- Get names of witnesses.
What compensation can include
Medical bills (including future scar revision), lost wages, and pain and suffering, including emotional distress. Your state’s rules on strict liability and comparative fault affect what you can recover.
How fees work
Injury lawyers usually work on contingency: no fee upfront, and a percentage of any settlement or verdict if you win. Ask how case costs are handled before you sign. See what you’d keep with our settlement calculator and read how contingency fees work.
Frequently asked questions
Who pays for a dog bite?
Usually the owner’s homeowners or renters insurance pays, up to the policy limits.
What if I was bitten by a friend’s or family member’s dog?
Claims are typically paid by their insurance, not out of their pocket, which is why many people still file.
How long do I have to file a dog bite claim?
It depends on your state’s statute of limitations, commonly 2-3 years. Don’t wait.
Questions from readers
Question about Dog bite? Ask it here. We answer common questions in general terms on this page. This is not legal advice, and we can’t take your case.
Ask a question
Free · No obligation
Get a free case review
Tell us a little about your situation and we’ll try to connect you with a participating lawyer in your area who handles it.