Insurers within the U.S. paid out about $1.6 billion in dog-related harm claims in 2024, in line with knowledge compiled by the Insurance coverage Info Institute (Triple-I) and State Farm.
The variety of canine chunk and associated harm claims final 12 months totaled 22,658, a rise of practically 19% from 2023 and a 48% enhance over the previous decade, with the entire price of claims reaching about $1.6 billion, in line with Janet Ruiz, director of strategic communications at Triple-I.
The common price per declare elevated 18%, from $58,545 in 2023 to $69,272 in 2024. The price has gone up about 86% during the last decade. California, Florida and Texas topped the checklist for many claims.
The report was launched together with Nationwide Canine Chunk Prevention Week (April 13-18).
Canine bites stay a critical public well being threat, with greater than 4.5 million folks—principally youngsters—bitten annually nationwide.
Almost half (45.5%) of U.S. households embody canines, for a complete of practically 90 million canine companions in the USA.
In keeping with Triple-I, owners and renters insurance coverage insurance policies normally cowl canine chunk legal responsibility authorized bills, as much as the legal responsibility limits (sometimes $100,000 to $300,000). The canine proprietor is answerable for all damages the declare restrict. At the least two states, Pennsylvania and Michigan, have legal guidelines that prohibit insurers from canceling or denying protection to house owners of explicit canine breeds. Some states may exclude protection after a canine chunk, equivalent to Ohio, which additionally requires house owners of canines which have been categorized as vicious to buy a minimum of $100,000 of legal responsibility insurance coverage.
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