Does Homeowners Insurance Cover Dog Bites in Utah?
In most cases, homeowners insurance policies in Utah cover dog bites or attacks, regardless of where they occur. Whether the incident happens inside the owner’s home, in the yard, at a neighbor’s property, or even at a public park, the policy typically applies. This article is meant to inform you about Utah Dog Bite Insurance.
Breed Exceptions in Utah Dog Bite Insurance
While rare, some homeowners insurance policies include breed-specific exclusions. These policies explicitly list certain dog breeds (such as pit bulls or rottweilers) that are not covered.
Key Considerations:
- If the dog’s breed is mixed or its origin is unclear, the exclusion may not apply.
- Disputes over breed exclusions often require legal expertise to navigate.
If your claim involves a breed exclusion, it’s a good time to consult with Utah personal injury attorney Jake Gunter at (801) 373-6345.
What If the Dog Bite Happened Away from Home?
Many dog bites in Utah occur at parks or other public spaces. Fortunately, most homeowners insurance policies still provide coverage for dog attacks outside the owner’s home or yard.
What Happens If the Dog Owner Claims You Antagonized the Dog?
Under the Utah Comparative Fault Act, fault is distributed based on the actions of both parties. If the dog owner claims you antagonized the dog, your settlement value may decrease based on your level of fault.
Example Scenario:
You are delivering a package in Provo, Utah, and the homeowner’s dog bites you after you try to pet it. The dog owner may argue that you provoked the bite. A jury or claims adjuster will evaluate the situation, but such accusations rarely hold much weight.
Dog Bites While Working: Delivery Drivers, Postal Workers, and Plumbers
Dog bites commonly affect delivery drivers and postal workers. If you are bitten while working, you may have two sources of recovery:
- Workers’ Compensation: Covers medical expenses and lost wages.
- Homeowners Insurance: The dog owner’s policy can cover additional damages caused by the attack.
Being at work does not prevent you from filing a claim against the dog owner’s homeowners insurance policy.
Why Choose Attorney Jake Gunter for Your Dog Bite Claim?
If you’ve been bitten by a dog in Utah, Jake Gunter can help you navigate the homeowners insurance claims process and ensure fair compensation.
Why Work with Jake Gunter?
- Free Consultations: It costs nothing to discuss your case.
- No Fees Unless You Win: You owe nothing unless you receive compensation.
- Guidance Every Step of the Way: Jake simplifies the process and helps you avoid common pitfalls.
Contact Jake Gunter for Help with Utah Dog Bite Insurance Claims
Don’t navigate a dog bite claim alone. Call or text Utah personal injury attorney Jake Gunter at (801) 373-6345 for a free consultation today.
Learn More About Utah Accident Lawyer Jake Gunter 
For additional insights on Utah personal injury law and to get to know Jake Gunter better, check out these helpful videos:
- Meet Jake Gunter – Learn more about Jake Gunter’s background, experience, and dedication to helping clients throughout Utah.
- How to Choose a Utah Personal Injury Attorney – This video offers guidance on selecting the right personal injury attorney to ensure you receive effective representation.
- What Jake Gunter Does and Who He Represents – Discover the types of cases Jake Gunter handles and how he advocates for the rights of injured individuals statewide.
These resources will provide you with valuable information as you consider your legal options. For any questions or to schedule a free consultation, feel free to reach out to us directly.