Believe it or not, dog bites have an average settlement cost of $37,000, and 4.5 million people are bitten by dogs every year, according to the American Veterinary Medical Association (AVMA).
Insurance providers deem certain breeds risky based on the frequency and severity of their bites. This data is general, which means your furry friend may not fit the statistic but is guilty by association. Frequency refers to how often bites occur from
a specific breed of dog and severity denotes how serious the injuries stemming from a breed’s bite were.
Not all providers are the same and likely carry their own list of breeds that they might consider high risk or will not cover. These breeds may drive up premiums, while others are blacklisted entirely. Many dog lovers feel this list is unfair, and
that’s certainly being reflected in legislation which means that we are slowly heading towards a premium depending on the individual dog. However, we’re not there yet.
The best piece of advice Preferred Mutual can provide to you is to talk with your agent about your concerns, especially if you are interested in a certain breed from the list above, or you already own one and are shopping around for new insurance.
Your canine is more than a pet, it’s family, and deserves the same protection as the rest of the family!
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