If you own or harbor a dog that bites a person, most states hold that the owner is strictly liable for monetary damages; and this is true in South Carolina. Therefore, it is prudent to own or keep dogs that do not bite, to minimize civil liability risk.
CATASTROPHIC DOG ATTACKS
Some dog bites are minor, such as with small dog breeds. Other bites fall into the category of an “attack.” Some attacks can be horrific and deadly. Children are often the victims of severe and fatal dog attacks.
INSURANCE POLICY EXCLUSIONS
For many years it was common for homeowner’s coverage to include coverage for dog bites. In recent years, homeowner’s coverage has excluded coverage for dog bites with provisions such as:
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MPL108 05/08
Page 1 of 1 SECTION II – ANIMAL EXCLUSION
The following is added to SECTION II – EXCLUSIONS:
Coverage E – Personal Liability And
Coverage F – Medical Payments To Others do not apply to “bodily injury” or “property damage” arising directly or indirectly out of the “insureds” ownership, care, custody, or control of any animals. This exclusion applies to “bodily injury” or “property damage” occurring on or away from the “insured location”.
All other provisions of this policy apply
THE NUMBERS DO NOT LIE WHEN IT COMES TO THE PIT BULL BREED
The statistics on Pit Bull attacks as a percentage of all dog attacks is astounding and enlightening. The Asheville Citizen Times newspaper reports that in the 10 year period from 2005 to 2014, pit bulls killed 203 Americans and accounted for 62 percent of the total recorded deaths from dog attacks (326).
“In the 10-year period from 2005 to 2014, pit bulls killed 203 Americans and accounted for 62 percent of the total recorded deaths (326).” Yet, “ Pit Bulls only account for 6 percent of the dog population.”
See source article @ http://www.citizen-times.com/story/news/local/2015/07/11/boyle-column-stats-lie-dangers-pit-bulls/30015541/
THE MORAL OF THE STORY
Choose your dog breed wisely, keeping in mind the consequences of a biting dog to family health and well being, as well as to others. The trend by homeowner’s insurance carriers is to exclude coverage for harms and losses caused by dog bites, placing the dog owner and the person harboring the biting dog squarely in harms way for civil monetary liability.
Serving South Carolina for 22 years, since 1993