Insurers within the U.S. paid out about $1.6 billion in dog-related harm claims in 2024, in response to information compiled by the Insurance coverage Info Institute (Triple-I) and State Farm.
The variety of canine chunk and associated harm claims final yr totaled 22,658, a rise of almost 19% from 2023 and a 48% improve over the previous decade, with the overall price of claims reaching about $1.6 billion, in response to Janet Ruiz, director of strategic communications at Triple-I.
The typical 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 listing for many claims.
The report was launched along with Nationwide Canine Chew Prevention Week (April 13-18).
Canine bites stay a critical public well being danger, with greater than 4.5 million folks—largely youngsters—bitten every year nationwide.
Practically half (45.5%) of U.S. households embody canine, for a complete of almost 90 million canine companions in the USA.
In keeping with Triple-I, householders 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 liable 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 specific canine breeds. Some states may exclude protection after a canine chunk, corresponding to Ohio, which additionally requires house owners of canine which have been categorised as vicious to buy not less than $100,000 of legal responsibility insurance coverage.
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