Your new puppy may expose you to personal liability risks
Recently, I was watching one of the popular morning shows that featured a segment promoting the adoption of shelter dogs. They had three of the dogs from the local shelter on set and they were adorable. My friend’s comment “I love dogs!” Express what most of us feel about our dogs. Dogs certainly have a gift for bringing a smile to your face.
Dogs have always been an important part of human life. In our current culture, the primary role of the dog has changed from a working or service animal to one of companionship and family member. In fact, our dogs have become an integral member of the family. Along with this reversal of roles, people have developed some unrealistic expectations for their pets. Sometimes we don’t recognize that a dog has natural instincts and will act in ways we don’t anticipate. Sometimes we can try to interpret his behavior based on human characteristics. This practice is unfortunate and leaves us confused and offended when our dog behaves in a negative way or according to his natural genetic predisposition.
Every year, the media informs the public about some of the most negative events related to dogs. For example, in August 2012, a young Georgia college student who loved to rescue dogs was killed by dogs she had adopted. In May, a North Carolina resident was charged with involuntary manslaughter after his pit bull fatally maimed his neighbor. Stories like these make us stop and wonder if owning a dog is worth the risk. We must recognize at this point that dogs will behave like dogs, but responsible owners can take steps to prevent incidents like these from happening in the first place.
When considering getting a dog, recognize the risks associated with owning a dog. The Centers for Disease Control and Prevention reports that 4.7 million Americans are bitten by dogs each year and one in five of those bites will require medical attention. Researching the behavior of the breed of dog you want to adopt is a responsible first step. Although we cannot judge a particular dog by its breed, there is information available to help the potential owner make an informed decision. Bankrate.com has published a list of “high risk” dogs based on insurance claims. This list, which contains basic information about each breed, identifies “high-risk” breeds such as Akitas, Alaskan Malamutes, Chow Chows, Doberman Pinschers, German Shepherds, Pit Bulls, Presa Canarios, Rottweilers, Siberian Huskies, Staffordshire Bull Terriers, and wolves. hybrid (sometimes called wolfdog). The American Kennel Club website offers valuable information to help determine if a particular dog breed is a good match for your family or situation. The AKC strongly advocates the breed of dog and emphasizes the individual dog’s behavior or actions when making decisions regarding a specific scenario.
All the information you need to be a responsible dog owner is available at your fingertips if you have internet service. Tips on how to socialize and care for your dog, instructions on how to keep your children safe around dogs, dog bite laws, and information on typical dog behaviors are just a few of the topics you should research. Some helpful websites include http://www.cdc.gov (Centers for Disease Control and Prevention) and http://www.dogbitelaw.com. You can also contact local veterinarians or animal specialists who can help you find local resources.
As you sift through the wealth of information available, you’ll be faced with the reality that some insurance companies may deny or cancel your homeowners or renters coverage once you bring that cute pup home. So, as a responsible dog owner, call your insurance agent right away and ask about your coverage. Typically, homeowner’s or renter’s liability coverage will include dog-related incidents. Homeowner limits typically range from $100,000 to $300,000. If you have chosen to adopt a large dog, you should investigate increasing your coverage to the higher limits and perhaps look into additional coverage by purchasing a general liability policy that can provide $1 million to $10 additional coverage. millions. Keep in mind that owning a dog is an insurance factor for your insurance company and failure to tell them about your dog, especially if it is considered a “high risk” breed or has a history of bites, may result in claims being denied. If that happens, you may become personally liable for any damage or injury your dog causes.
In conclusion, as you and your pup get acquainted, remember to expose him to a variety of people and other animals, invest in obedience training to build a trusting relationship, and take him in for regular veterinary checkups. Your vet can advise you on behavioral issues as they arise and help you understand your dog’s genetic predisposition. As you grow in love with each other, your pet is sure to become a source of pleasure for you and your family. Enjoy your pup!