How to Negotiate a Dog Bite Injury Claim | Fort Collins Injury Lawyers
Call (800) 863-5312 to Speak with a Fort Collins Dog Bite Lawyer for Free
According to the Centers for Disease Control and Prevention, 4.5 million Americans are bitten by dogs each year, and 1 out of 5 of those injuries require medical attention. Because of the prevalence of this type of injury, it is important to understand the steps involved in negotiating a dog bite injury claim with an insurance company.
If you or a loved one has been injured by a dog, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Fort Collins dog bite lawyers.
What to Expect in a Settlement Negotiation
Dog owners are responsible for their dog’s actions. Therefore, if a dog injures you, the owner is liable to you for the resulting damages.
You may be wondering what actions to take subsequent to a sustaining a dog bite injury. The following guidelines will provide you with a sense of how to negotiate your dog bite injury and maximize your compensation.
File Your Claim with the Owner’s Insurance
Just like you would begin any other personal injury claim, you will need to notify the dog owner’s insurance company of your claim.
Most of the time, dog bite injuries will be covered through the dog owner’s homeowners insurance or renter’s insurance policy. If their policy limits are not enough to cover your injuries, the dog owner may be personally liable for resulting damages in excess of their policy limits.
The Process of Negotiation
A claims adjuster will reach out to you after you file your claim. They will likely make an initial offer that is lower than your resulting damages. Unless your injuries are minor, avoid taking this first offer.
The insurance company has its own best interest in mind, which is resolving claims quickly and avoiding high settlements. If you reject their offer, you will want to counter-offer and provide further details backing up why your claim is worth the amount you are requesting. Factors to consider when requesting damages may include severity of your injuries, medical expenses, lost wages, and other ways your injuries have cost you.
Severity of Your Injuries
One factor that affects how much your claim is worth is the extent and severity of your injuries. If the dog bite injury resulted in permanent scarring, you want to think about the possibility of future expenses for surgeries down the road. This will help determine how much to demand from the insurance company.
Backing up your position with proper evidentiary support will be necessary to receive the compensation you are requesting. For instance, a note from a doctor that verifies the need for future surgeries will help bolster your position to the insurance company. It will be harder for them to ignore the doctor’s suggestions for future medical treatment.
The more severe your injury, the more medical expenses you will incur. However, even if your injuries are minor, medical expenses can add up quickly. Do not underestimate your damages or downplay your injuries. Make sure to ask for the out-of-pocket expenses you already incurred as a result of the dog bite injury.
Keep a Record
It is extremely important to keep a record of all post-accident medical bills, photographs of your injury at different stages, and any communication between you and the insurance company. There is no guarantee that the insurance company will settle with you. If that is the case, you may be able to pursue a lawsuit for your injuries.
If you choose to pursue the litigation option, it will be beneficial to your case if you have a complete record of all the necessary evidence.
Our Fort Collins Dog Bite Lawyers Can Help
At Zinda Law Group, our dog bite attorneys have helped thousands of injury victims get their lives back on track after an accident. We have the knowledge and resources necessary to help you pursue maximum compensation for medical bills, lost income due to missed work, pain and suffering, and much more.
Our personal injury lawyers also believe that a dog bite victim should never have to worry about being able to afford superior legal representation. That is why we offer 100% free consultations, and why you will pay nothing unless we win your case. That’s our No Fee Guarantee.
If you or a loved one has been injured by a dog, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation with our experienced dog bite lawyers in Fort Collins, Colorado.
Meetings with attorneys are available by appointment only.
How to Negotiate an Injury Claim with Progressive Insurance
The 5 Most Important Things to Do After Your Injury
What to Expect in an Injury Settlement Negotiation with Amica Insurance