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The owner of dog who bit me has no assets– can I still recover money for my injuries?
The skilled attorneys at Slatter Law Firm will be able to give you an answer, and it might be YES.
Homeowner’s insurance policies typically provide coverage for dog bites their owners’ pets inflict on others. This means even if the owner of a dog who bites you doesn’t have much money, you might be able to recover money for your injuries from the insurance company instead. This is because the policies often have a section called “personal liability protection”.
“Personal liability protection is a type of insurance coverage that not only protects the owner of the home, but also anyone living with them. This means not just the owners of the house/apartment but also renters, their spouses, roommates, etc. against claims for negligence (which means against dog bites like the one you suffered from). So if anyone living in the home/apartment has a dog and lets that dog off a leash or lets them run outside and that dog bites someone, the insurance company will cover the costs of any injuries received by a person that dog bites.