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« A look at how far we've come -- Anderson Cooper edition | Main | Omaha's breed-specific law "successful" at increasing the number of bites »

September 26, 2013

Comments

Julie Eyrich

Tell that to insurance companies. Now I get why many landlords can't rent to people that have pit bulls and other type of dogs: Homeowners and renters insurance policies typically cover dog bite liability, as long as your dog is disclosed to your insurance company. Insurers may charge more or even deny your application if you own specific types of dogs. These are determined by the frequency of dog bites for the breed, how many claims & how much money has been awarded against the breed of dog & whether they are large dogs that can inflict a lot of damage. Some of the breeds that raise red flags for insurers are Pit Bulls, Rottweilers, German Shepherds, Siberian Huskies, Malamutes, Doberman Pinschers, Chow Chows, Great Danes, Saint Bernards, and Wolf Hybrids. According to the Insurance Information Institute, dog bites made up more than a third of homeowners insurance liability claims in 2011 and cost insurance companies a total of $478.9 million. That was up 16.1 percent from 2010 and 47.7 percent from 2003. The average cost per claim in 2011, the Institute said, was $29,396. Sixty-two percent of U.S. households -- or 72.9 million -- own a pet, according to the American Pet Products Association. Of those, 46.3 million own a dog. http://www.insweb.com/home-insurance/dog-bites-homeowners-insurance.html or http://www.nolo.com/.../free-books/dog-book/chapter11-8.html

Brent

Julie, the fear-mongering is ridiculous.

I've called multiple insurance companies over the year and they all have said they don't track dog bite data by breed. So their requirements aren't based on data at all.

And yes, dog bites make up a full 1/3 of all homeowners insurance LIABILITY claims. That sounds REALLY scary. Except it's not.

Liability claims make up only 6% of all insurance claims. So dog bites make up a whopping 2% of all insurance claims, while 37% of people own dogs. So you know what's more dangerous than dogs? Virtually everything. When I tracked this a couple of years ago, (link below), .03% (1 out of every 3,000) of the nations dog owning households had a dog bite liability insurance claim.

And interestingly, the costs of the claims has gone up less than the average cost of insurance claims over the past decade. The problem isn't that dog bites are getting worse, it's that medical expenses are rising astronomically for everything.

Please. Stop. Nonsensical. Hysteria.

http://btoellner.typepad.com/kcdogblog/2009/10/dog-bites-and-insurance-the-science-of-fear-part-5-of-8.html

Madam Jinx

It seems to be that these children should have been better watched, and unless it's a certified therapy dog, no dog should be around a special needs kid. My dogs, one of which is a pit, stay inside with me, and have met and gotten along with every stray I have fostered without so much as a grumble about food dishes. This includes dogs, cats, birds and even reptiles.

valerie

My sister has a red bone hound and shar-pei mix and that dog looks like a pit bull mix..no "terrier" in that dog..but she will bite if my sister is not present, maybe. I have the staffordshire terrier, catahoula x. She is the ONLY people friendly dog in the house.
It's about the dog and environment. Dogs do what dogs do..if you want nice, soft, people friendly dogs..expose them. But consider WHO they are. It's not about RAISING THEM, IT'S ABOUT MANAGING THEM.
The owner is the problem 100 percent of the time. I admit it..I made my dog a problem when left alone. She is alot of dog, but she won't bite you.

Gail L Rosbach

Lets start with the truth, the kids were not killed by "dogs" all three were killed by a specific breed of dog..Pit Bulls.
It is not the childrens fault, it is not the owners fault. It is not the environment. It is the Pit Bulls. There must be at least 1000 attacks this year alone by Pit Bulls, and people are still blaming everything but the Pit Bull. Pit Bulls have killed 23 people this year alone..38 last year I believe. The dogs are genetically hardwired to attack and kill, and our society is trying to make common household pets out of game bred fighting dogs. Obviously it is not working, people are getting killed and severely injured by these dogs in alarming numbers. Get rid of the Pit Bulls End of problem./

Brent

Gail,

Don't let facts get in the way of a good argument.

Read the first story, Jordan Reed again. Carefully.

So far this year there have been 22 fatal dog bites. The bites have involved pit bulls, Bull Mastiffs, "Lab Mix", German Shepherd, Husky mix and mixed breed dogs.

Last year, 36 people lost their lives to dog attacks -- and 15 different breed classifications involved.

Read here for all the details: http://btoellner.typepad.com/kcdogblog/2013/01/dog-attack-fatalities-2012-final-report.html

You are certainly entitled to your own opinion. But when you have to make up information to support your point of view, maybe your on the wrong side of an argument.

Universally, experts in the field of canine behavior (and those who have their facts straight) point to human behaviors that lead to the circumstances surrounding major dog attacks. It is the people, not the dogs.

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