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2013年9月28日星期六

Veterinarian Talks Insurance Clauses For Dog Bites - CBS Pittsburgh

(Credit: KDKA)

(Credit: KDKA)





Larry-Richert

Reporting Larry Richert







PITTSBURGH (NewsRadio 1020 KDKA) — Did you know that 30 percent of home insurance claims in 2010 were due to dog bites?



Did you also know that many insurance companies have clauses and extra costs for the kind of dog you own?


KDKA AM’s Larry Richert and John Shumway talk to Dr. Mike Hutchinson of Animal General about whether it is right to single out a certain breed of dog as dangerous, if a dog bite is entirely the dog’s fault, and if Niko, the Husky that caused the death of a newborn in McKeesport, is safe to live with his new owner.


Click the link below to listen to the full interview:





2013年9月21日星期六

State Farm Insurance shares dog bite claim info - and tips to avoid getting bit in the first place



Many insurance companies won’t provide homeowner’s insurance if you own a pit bull. This is our scary pit bull. Run, before she kisses you with her poop breath.



May 15-21 is National Dog Bite Week, and in preparation State Farm has released information about dog bite claims, along with some information on how to avoid getting bit in the first place.


According to the press release, “State Farm paid more than $ 90 million as a result of the nearly 3,500 dog bite claims in 2010.” California topped the list, with 369 claims totaling an estimated $ 11.3 million. New York landed at #9, with 119 claims totaling an estimated $ 4.3 million.


The Insurance Information Institute (III) estimates that in 2009, insurers across the country paid more than $ 412 million in dog bite claims.


Here is some more info, from the press release:


A dog’s tendency to bite depends on such factors as heredity, obedience training, socialization, health, and the victim’s behavior. There are good dogs and bad dogs within every breed, just as there can be responsible and irresponsible owners of each breed. State Farm does not refuse insurance based on the breed of dog a customer owns* but does require policyholders to answer questions about their dogs’ history on a homeowner insurance application.


(* The state of Ohio has determined that the pit bull meets the definition of a “vicious dog”. As a result, the owners of pit bulls or any American Staffordshire terrier mix are subject to specific requirements to protect the public from injury by these animals. State Farm does not provide coverage under its homeowner’s policy in the state for this breed of dog.)


Children are frequent victims of dog bites. In fact, 60 percent of all dog bite victims are children under the age of 12. Tragically, of the 33 dog bites that resulted in death last year, 20 of these fatalities were young children.  


In addition to stressing responsible pet ownership, State Farm encourages responsible behavior and caution around dogs, including family pets.  Under the right circumstances, any dog might bite.



  • NEVER leave a baby or small child alone with a dog.

  • Be on the lookout for potentially dangerous situations.

  • Start teaching young children — including toddlers — to be careful around pets.

  • Children must be taught NOT to approach strange dogs.

  • Always ask permission from a dog’s owner before petting any dog.


For more information about dog bite prevention, visit the State Farm Learning Center or the American Veterinary Medical Association.

Insurance Claims, County Regulations Up Ante In Dog Biting Cases - CBS San Francisco

According to authorities, this dog attacked a 2-year-old boy in Castro Valley on May 8, 2012. (Alameda County Sheriff)

According to authorities, this dog attacked a 2-year-old boy in Castro Valley on May 8, 2012. (Alameda County Sheriff)









WALNUT CREEK (CBS 5) – Dog bite claims are way up across the nation and California leads the pack, according to the Insurance Information Network. If it’s your dog doing the biting, you’re likely to pay dearly.


One such case was that of Poppie, a flat coated retriever owned by Michael and Monica Delehanty of Walnut Creek.


The family was in the driveway preparing to take Poppie to the park when out of nowhere she rushed out into the street and attacked the neighbor’s daughter.






“It’s not like she went up to her and barked,” said Monica Delehanty. “She had a purpose like she went out and bit her, so we are trying to sort out what triggered that.”


In six years Poppie had never shown any signs of aggression.


“She’s relatively high strung, but she has never had a problem with children. We have young girls, they always have friends around,” said Delehanty.


The little girl next door required multiple stitches. Her family didn’t want to talk to our reporters.


Since the incident the Delehanty’s house life has changed, especially Poppie’s.


She’s now officially listed as a “dangerous animal” and has to be kept in confined in a newly built kennel when left alone, something the family is trying to get her used to.


But the hardest change has been that, under Contra Costa County’s strict regulations, Poppie may “only be removed (from the house) for the purposes of obtaining veterinary care.”


“Essentially she has life imprisonment in our home,” said Delehanty.



The rule may seem extreme, but its not surprising, according to dog bite expert Ron Berman.


“The whole attitude about dog bites has changed,” he said. Berman testifies as an expert witness in dog bite trials and said the Diane Whipple dog mauling case in San Francisco a decade ago set the bar much higher. In California, county ordinances have gotten stricter ever since, according to Berman.


“Now it’s a much more difficult situation for everyone,” said Berman.


The biggest issue has been insurance. Some companies will now also exclude dogs labeled dangerous or vicious, no matter what the breed is.


That’s why Contra Costa County Animal Services director Glenn Howell insisted that specific language to be written into the Delehanty’s policy.


“There has to be some recognition in the policy that this particular dog’s name as a dangerous animal is covered,” he said.


The family ended up having to buy separate insurance just for Poppie. They currently pay $ 500-a-year, plus another $ 500 annually to renew the dangerous dog permit with the county.


Spending $ 1,000 a year to keep the family dog is expensive but necessary said Howell.


“We don’t issue very many dangerous dog permits in the county, but if they want to keep the dog they will go through the process,” he said.


“You know you’re held hostage. They have your animal. You want them back,” said Monica Delehanty.


“The easy answer for us would have been to put her down. It’s just that we need to give her another chance,” said Michael Delehanty.


Next week is Dog Bite Prevention week. For more information on how to prevent dog bites visit the American Humane Association.


(Copyright 2012 by CBS San Francisco. All Rights Reserved. This material may not be published, broadcast, rewritten, or redistributed.)