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Michigan Dog-Owners Should Protect Themselves from Liability
By Michael Morse | October 6, 2008
Due to the alarming frequency of dog attacks, Michigan dog owners are encouraged to protect themselves from liability. Homeowners and renters insurance policies usually cover liability and liability coverage typically ranges from $100,000 – $300,000. If the victim’s claim exceeds that amount, then the dog’s owner will be responsible for the additional damages.
Most insurance companies will insure homeowners who keep a dog as a house pet in Michigan. However, once a dog has attacked someone it is determined to be an increased risk and the insurance company may increase the premiums, exclude the dog from coverage, and require the dog owner to sign a waiver of liability for dog bites, or make coverage contingent upon the dog successfully completing obedience courses.
Furthermore, it is advisable for Michigan dog owners to consider acquiring an umbrella liability policy. Umbrella policies protect the insured against personal liability, such as from dog bites. The amount of umbrella coverage generally ranges from $1 to $10 million. These policies are inexpensive and the first $1 million in coverage costs approximately $150 – $300 per year.
Though it is recommended that dog owners carry liability insurance, Michigan dog owners should take proper precautions to prevent dog attacks from occurring in the first place. Some precautions that dog owners should take are as follows:
- Consult with a professional to learn which breeds are appropriate for domestic ownership.
- Spend time with the dog before buying or adopting it.
- Have the dog spayed or neutered. Unneutered dogs account for three times as many bites as neutered dogs.
- Socialize the dog so that it knows how to act with people and other animals.
- Prevent children from disturbing the dog while it eats and sleeps.
- Play non-aggressive games with the dog, rather than aggressive games such as “tug-of-war.”
- Avoid exposing the dog to new situations where its behavior will be unknown.
- Avoid eye contact with a dog that appears threatening.
For more information on dog bites and what to do if you are bitten by a dog in Michigan or Ohio, visit www.dogbite-attorneys.com.
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