That limit will suffice for the vast majority of claims, since the average dog-bite claim is for $36,000, according to the Insurance Information Institute and State Farm. org and it's like my dog has had a light bulb switched on. Insurance broker Cass explicitly warns that hiding the fact that you own a particular dog or dog breed is “risky. Is your dog, potentially a lethal weapon? Other insurers will cover a breed seen as higher-risk but charge a higher premium as a result. It will also cause you to be canceled and you may not be able to get insurance in the standard market.”, The 2020 Hurricane Season Is Underway. Instead, “pitties” are a category identified by sight with physical characteristics like a muscular body and large head. Other insurers will cover a breed seen as higher-risk but charge a higher premium as a result. The Gull Dong originates from Pakistan, and it's one of the rarest dog breeds. These Biting Breeds Are the Worst for Your Home Insurance Policy. A serious bite could be grounds for exclusion in a new policy or policy renewal or even the cancellation of a current policy, she notes. An agent may ask about previous incidents and inspect any legal claims involving the dog in question when issuing a policy. A serious bite could be grounds for exclusion in a new policy or policy renewal or even the cancellation of a current policy, she notes. 7 Worst Dog Breeds for Kids These breeds might not be ideal if you have small kids at home. In response to rising costs from dog claims, insurers are tracking the breeds most associated with attacks, and adjusting premiums and other policy provisions accordingly. That website has been amazing and a huge help to us. So just type it in like normal by removing the spaces :). A new theory aims to make sense of it all. The statistics are just that numbers. What a load of tosh. The Basenji is a free-roaming working dog, and they wear their independence like a badge of honor. Doberman I thought I would leave my first comment. Reputed to be descendants of the dog breed Roman Legions used to guard their camps, Rottweilers have always been known as fierce animals. And while the number of dog-related claims was stable, the average cost per claim increased by 14.7 percent in 2019, to a hefty $44,760. Because people who have them don't think they need a proper upbringing. And National Geographic study showed that they have one of the smallest bite force – 235 PSI. One of the biggest reasons for this is its natural insecurity, making trust a critical issue for owners and to properly train it. So here are the top ten dog breeds that are have a history of biting. However, this tiny breed is often high-strung and prone to nipping or even biting when frightened (or when he thinks he's protecting his people or territory), so he can present challenges when out in public or around children. However, some industry insiders have assembled their own lists, based on interactions with insurers – among them Jason D Cass, managing partner with the Insurance Alliance, a Centralia, IL insurance brokerage. Collie. The reasoning goes that dogs have been bred for many purposes, and some, like Doberman pinchers and German shepherds have been selected for watchdog and guarding services. Is that behaviour proof that aggression is somehow hard-wired into the genes of these dogs, and that particular breeds are aggressive per se? That rise continued a trend that’s more than doubled the cost of the average dog-related claim since 2003. While insurers don’t delve deeply into DNA, according to Bob Hunter of the Consumer Federation of America, these groupings based on broad appearance still matter to numerous insurers when determining home coverage for a dog owner. Who the victim is and what he does also plays a role. Here in the UK we have a terrible problem with people acquiring Bull breeds as 'status' dogs. Microsoft may earn an Affiliate Commission if you purchase something through recommended links in this article. And it might not take much to bring out these behaviors. The label can lump in any number of different breeds and breed mixes, including the English Bull Terrier, the American Bulldog, the Boxer, the American Pit Bull Terrier, and the American Staffordshire Terrier. Of those bites that actually require medical treatment, many do not end up in any accessible data bank and are thus lost to researchers. © Provided by Money.com “While the company won’t freely give away all the secrets to how it makes coverage decisions, simply describing the dog you own or plan to get to an agent will provide you with insight into how they approach such a breed.”, The good news for canine lovers is there is no one-size-fits-all approach among insurers to dealing with different bre, are among the companies that have been known to ban certain dog breeds from coverage. Those curves can range from limiting your choice of company and coverage limits to costing you more in premiums. A clever hunting dog originating from the Congo, this is a unique breed with a sharp wit. By introducing your dog to people and other animals while it’s a puppy, it feels more comfortable in different situations as it gets older.”, It might be all too easy to avoid telling insurers about the breed of dog you own, or perhaps its history of biting. These are the six breeds Cass says most companies will not insure: Cass says he has also found five other breeds to be unpopular with insurers, if less widely so: These breeds — the first six listed, especially — showed up on a number of other online lists of problem dogs for insurance that we reviewed. Fortunately, a study commissioned by the U.S. National Center for Injury Prevention and Control, which was published in 2000, does provide some information. “I Don’t Allow Men I Sleep with to Kiss Me", Psychology Today © 2021 Sussex Publishers, LLC, Improving Outcomes for Persons with Schizophrenia, 3 Ways We Can Be Tricked Into Liking Robots, How Pornography Use Affects Couples Sexual Health, Surprising Benefits of Physical Exercise on Sex and Orgasms. Dogs can't stand on their back feet and punch you in the mouth. While Cass doesn’t counsel against buying any dog that’s of a problem breed, he does recommend calling your insurance agent or company to find out whether they cover the breed, and if not, what it might cost to switch your homeowners or renters policy to a company that does. 18. We also give you options to remedy the damage if your dog has already been a biter. Costs can be as low as $100 a year or less. Bad Dogs: These Biting Breeds Are the Worst for Your Home Insurance Policy ... Nationwide, and Allstate are among the companies that have been known to ban certain dog breeds from coverage. Dog bites can cost serious money to settle, and can even put your home insurance policy into peril. Together these two groups account for half of all of the dog bite fatalities. In Dog Attacks Is the Problem Bad Dogs or Bad Owners? They are known for having a tendency to attack humans aggressively and to latch on to their victim while biting. The Pawprints of History: Dogs and the Course of Human Events, How Dogs Think : Understanding the Canine Mind, How To Speak Dog, Why We Love the Dogs We Do, What Do Dogs Know? And while the number of dog-related claims was stable, the average cost per claim increased by 14.7 percent in 2019, to a hefty $44,760. We also give you options to remedy the damage if your dog has already been a biter. Why is it a Bad Dog for Apartment Living. “We recognize that breed or type is not a reliable or consistent factor in determining how a dog will react to certain situations,” Paul says. However, pit bulls have 86.7% temperament passing rate which is lower than canines such as Chihuahua, Border collie or Beagle. In many cases the biters are mixed breed, so some estimate had to be made of the breeds that went into them. This breed is known as aggressive mostly because people have been using them for dog fights. In my life I have owned different breeds and in my opinion every dog can be a dangerous dog (yes even the little ones). Is Your Dog Really Helping You Make It Through the Pandemic? There’s also the option to acquire an umbrella policy, an insurance option that extends liability coverage — typically of up to $1 million — to all aspects of your life, including reducing the risk of exceptional claims to your homeowners and auto insurance policies. The behavior of the dog's owners was also important. Of course, these are named breeds, and many dogs are anything but purebreds. Liability claims from dog bites and other dog-related injuries in the U.S. totalled $797 million in 2019, according to the Insurance Information Institute (or Triple I) and State Farm. Cane Corso. Of course, these are named breeds, and many dogs are anything but purebreds. The insurer looks at dogs on a case-by-case basis, she says, taking into account the animal’s history of bites, if any. Stanley Coren is the author of many books including: Why Do Dogs Have Wet Noses? Top on the list include Jack Russell terriers, pit bulls, Labs and golden retrievers, beagles, Australian shepherds, Shetland sheepdogs, German shepherds, huskies, and Shiba inus. While State Farm isn’t among those insurers, company spokesperson Paul recommends training as a matter of course, and it never hurts to mention it when talking to an agent. They think that since their dog is small it's ok never to train it. In 53% of dog bite fatalities, there was some suggestion that the dog was provoked by being struck, poked in the eye, having things thrown at it etc. While State Farm isn’t among those insurers, company spokesperson Paul recommends training as a matter of course, and it never hurts to mention it when talking to an agent. If I were a dog I'd like to bite some people and kids too. Unfortunately, The Perfect Puppy is currently out of print. Certain insurers may offer credits or discounts for training such as from an American Kennel Club-certified trainer. “While an overwhelming majority of interactions with dogs don’t result in injury, most dog bites could be prevented by practicing responsible pet ownership,” Worters notes. The Dog Breeds with the Greatest Risk of Harming Children. Liability claims from dog bites and other dog-related injuries in the U.S. totalled $797 million in 2019, according to the. That rise continued a trend that’s more than doubled the cost of the average dog-related claim since 2003. Anyone who acquires a dog because they think it gives them a particular macho image is clearly unfit to keep a dog. Indeed, the list-topping pit bull isn’t even recognized as an actual breed by the American Kennel Club. Akita. Here's a story for dog lovers that makes one wonder whether or not it's the smarts or the bite one ought to be concerned about when thinking about a dog. However, there are occasionally settlements that exceed $300,000. The Intelligence of Dogs, Sleep Thieves, The Left-hander Syndrome. If a claim exceeds a policy’s liability limit, the dog owner is responsible for all damages above that amount. Do Breed-Specific Laws Reduce the Number of Dog Bites? The results clearly show that certain breeds are more likely to do this kind of damage as can be seen in the accompanying table. _g1.setAttribute('srcset', _g1.getAttribute('data-srcset')); 12 Dog Breeds Most Likely To Bite. The label can lump in any number of different breeds and breed mixes, including the English Bull Terrier, the American Bulldog, the Boxer, the American Pit Bull Terrier, and the American Staffordshire Terrier. by dogbitelaw August 14, 2020. Although all of this may sound frightening you should not go out and shoot your pet dog to protect your family and neighbors from imminent death or injury from his teeth. You can also supplement your financial protection against dog attacks in other ways. Specifically, the public is now worrying about the possibility that there might be certain breeds of dogs which are "bad" or at least potentially unsafe to keep in the city. While this list makes it clear that dog breeds do matter, the study also found that some other factors are important--such as the dog's sex and sexual status. There’s also the option to acquire an umbrella policy, an insurance option that extends liability coverage — typically of up to $1 million — to all aspects of your life, including reducing the risk of exceptional claims to your homeowners and auto insurance policies. . Dog bites can cost serious money to settle, and can even put your home insurance policy into peril. Paul suggests a scenario in which State Farm offers up to $250,000 in liability coverage. If your dog does bite or is involved in an injury, State Farm looks at every issue individually, Paul says. I recently came across your blog and have been reading along. People use common sense when around dogs, its not their fault. One other item to keep in mind: Some of these breeds may not be allowed in certain homes due to restrictions on the lease or insurance policy. The Pawprints of History: Dogs and the Course of Human Events, How Dogs Think : Understanding the Canine Mind, How To Speak Dog, Why We Love the Dogs We Do, What Do Dogs Know? Germans Shepherds also need a lot of specialized training and regular grooming. Breeds such as Great Dane and Akita were found to have a lower relative risk of biting; however, the average damage from these bites was high. The study published in the New Zealand Medical Journal used Ministry of Health figures and and found dog bites increased from 9 cases per 100,000 in 2004 people to 12 per 100,000 in 2014.. Children under 10 were most likely to be attacked, and the majority were bitten on the head or neck. It might be all too easy to avoid telling insurers about the breed of dog you own, or perhaps its history of biting. Though a breed that is unfamiliar to many canine enthusiasts, the Cane Corso is believed to be one of the more dangerous dogs around. Worst Small Dog Breeds for First-Time Owners. The only breeds of dogs that can be included in any kind of stats must be DNA tested and confirmed by a listed Vet. I wish I hadn’t spent money on other useless trainers in the past that told me theres no such thing as a “pack leader” and that those who trained that way were cruel. Many bites are innocuous, such as those that result from an over-eager dog that took a chunk of your thumb when you offered him a treat. Dog Attack, Dog Bite. Sadly, more than half of the victims of dog bites are children, aged 12 or younger. The good news for canine lovers is there is no one-size-fits-all approach among insurers to dealing with different breeds. Based on our surveys these are the dog breeds that bit the most taking the popularity ratio into consideration. Dogs that are chained, or kept confined in a small yard, are approximately 3 times more likely to fatally bite people. If you don't have time,energy,will to work with your dog from day one on a daily basis,maybe you shouldn't own one . Training and socialization are the key to own a calm well behaved dog,no matter which breed. But if your dog harms someone resulting in a $500,000 judgment, you’d have to pay the other $250,000 out of your pocket. Instead, “pitties” are a category identified by sight with physical characteristics like a muscular body and large head. The chart below, created by Benjamin and Lynette Hart, offers a rank-ordering of breeds by their tendency to engage in excessive barking. Stanley Coren writes of "...immanent death" [sic]. Maskers Versus Anti-Maskers: Who Are the Bigger Sheep? Visit Direct Link Almost everyone loves an energetic dog, just not one with energetic jaws. For example, the law firm Mullen and Mullen in Dallas says it obtained a $500,000 settlement after a two-and-half-year-old child was bitten in the face by a dog at a residence she was visiting, resulting in. And while the number of dog-related claims was stable, the average cost per claim increased by … The Alaskan Malamute is a very strong and resilient breed of dog which historically lived in an extremely harsh environment, perhaps making it too strong to be around children. Is it genetics: or is it conditioning? , these groupings based on broad appearance still matter to numerous insurers when determining home coverage for a dog owner. Certain insurers may offer credits or discounts for training such as from an. is among the few that don’t have any restrictions on breeds, according to Heather Paul, the company’s spokesperson for pet programs. They can also refuse a new policy based on a specific dog’s behavioral history after asking about it or discovering a past claim, regardless of breed. Some independent organizations have noted that pit bulls are responsible for over half of all dog … But an excited dog, say, accidentally knocking over someone is likely to be viewed more leniently and may not even affect your insurance. Worst Dog Breeds For Biting. When a dog's smarts are worse than its bite. State Farm sometimes recommends adding a rider for extra home coverage if your dog has been involved in a liability claim, Paul adds. As you said each of the cases are different and if one look deep enough the signs are there and unless the dog is insane usually the human (mostly the owner but also the victim) play a part in the attack. She is a changed dog in just two weeks!!! People who wax martyristical about dangerous dog breeds are helping seal these dogs' doom. They think it's ok that their dog constantly tries to and succeeds at biting people and other dogs. They do not include dog on dog. Here’s how to make sure you’re covered. Those curves can range from limiting your choice of company and coverage limits to costing you more in premiums. The breeds of dogs that may make an applicant ineligible for a policy will vary by company,” says Don Griffin, vice president at the American Property Casualty Insurance Association (APCIA). The study spanned a period of 19 years and found that there were 238 dog bite related deaths during that time--roughly 12 per year. The study was conducted over the course of 32 years (1982 – 2014) in both Canada and USA. The Worst Breeds for Excessive Barking. This human-aggression has been mostly seen in un-neutered dogs. “While the company won’t freely give away all the secrets to how it makes coverage decisions, simply describing the dog you own or plan to get to an agent will provide you with insight into how they approach such a breed.”. That limit will suffice for the vast majority of claims, since the average dog-bite claim is for $36,000, according to the Insurance Information Institute and State Farm. Not at all. The likelihood of this happening will be based on a range of factors, and will usually only happen if the dog is scared or angry. Almost everyone loves an energetic dog, just not one with energetic jaws. Unless raised with other puppies, smaller animals, and kids in the house, the dog’s natural instinct of catching prey and biting might take over. Pit bulls or pit bull-type dogs, and Rottweiler or Rottweiler crosses, appear as the culprits most often. Socialization is also key, she adds, helping “your dog feel at ease in different situations. ►►► TeachMyDog . The true breeds most commonly labeled as Pit Bulls are: American Pitbull Terrier, American Staffordshire Terrier and Staffordshire Bull Terrier depending on where you live. Laura Mueller. A breed like a rotty should NEVER run at large. For example, the law firm Mullen and Mullen in Dallas says it obtained a $500,000 settlement after a two-and-half-year-old child was bitten in the face by a dog at a residence she was visiting, resulting in multiple lacerations to her cheek, chin, and eyelid. This can significantly increase the maximum payout on your coverage, for example up to $1 million, though it comes with higher premiums. All insurers reserve the right, according to Paul, to terminate coverage or not renew a policy because of an incident resulting in a claim. That could cost you thousands of dollars out of your pocket. What the statistics cited in lists of attacks per breed typically fail to take into account is the reason that members of a particular breed may attack more frequently. The following fifteen dogs are among the most dangerous breeds evidenced by statistics that include attacks on the owners. "Unfortunately there was a very tragic case of a Japanese girl who was a tourist who was attacked by a … It simply means that some breeds are more prone to irresponsible, and frequently abusive, ownership than others. She no longer constantly asks for attention, if I walk into the lounge and she is sitting on the sofa (not allowed) she looks at me and just gets down. Malamutes, Huskies, they’re one of the friendliest breeds to strangers, kids and other animals. They can also refuse a new policy based on a specific dog’s behavioral history after asking about it or discovering a past claim, regardless of breed. So give these dogs a brake and get facts to post not made up rubbish!! ... are a small breed dog that needs to rely on other methods to appear big and scary when they feel threatened—including biting and yipping. The results clearly show that certain breeds are more likely to do this kind of damage as can be seen in the accompanying table. The insurer looks at dogs on a case-by-case basis, she says, taking into account the animal’s history of bites, if any. Figures from Liverpool police – the city is the second worst for dog bites – reported in The Sun, have revealed the 10 dog breeds most likely to bite humans. Others are more severe but may be treated at home. Liability claims from dog bites and other dog-related injuries in the U.S. totalled $797 million in 2019, according to the Insurance Information Institute (or Triple I) and State Farm. But Bull breeds have far more than their fair share of eminently unsuitable owners, who actively train their dogs to be aggressive, or at best fail to check dominant or inappropriate behaviour. Bad Dogs: These Biting Breeds Are the Worst for Your Home Insurance Policy. 14 Dog Breeds Blacklisted by Insurance Companies, Dog Aggression Is Predicted by Training Methods and Breed. 5 Gull Dong. 5. To get that info, we’ve decided to simplify the information we got from Dogsbite.org wherein they outlined the dog breeds that are notorious biters. Namely, these dogs can easily cause harm to a child without ever having the intention to do so. Written by. :) sorry for the way the link looks... you can't post links here apparently. It should come as no surprise, then, that this breed accounts for 10% of dog bite related deaths. All insurers reserve the right, according to Paul, to terminate coverage or not renew a policy because of an incident resulting in a claim. Another possibility is that a company will extend you a policy but only if you sign a liability waiver excluding the dog in its home coverage, Worters explains. Here’s how to make sure you’re covered. Previously I shouted and pulled at her and because she is so big and beefy (weighs 5 stone), it was a major effort. We love dogs because they want to please us, it's their goal and greatest reward (confirmed by MRI studies of dog brains),what we need to do is teach the dog what pleases us. In response to rising costs from dog claims, insurers are tracking the breeds most associated with attacks, and adjusting premiums and other policy provisions accordingly. Why? Gathering statistics on dog bites is difficult. The culprits, according to the Triple I, are increased medical costs as well as the size of settlements, judgments, and jury awards given to plaintiffs, which are trending upwards. I always ask one question when there is an attack what did the person or child do to the dog?, particularly if the dog has never bitten before. German Shepherds and Chow Chows are considered the worst dog breeds due to biting. Labradors are the worst dogs for biting and responsible for the highest number of personal injury claims - and it’s your postie on the receiving end Dreams have been described as dress rehearsals for real life, opportunities to gratify wishes, and a form of nocturnal therapy. This piece walks you — if you will — through some ways to minimize your dog’s disruption to your insurance. Farmers, Nationwide, and Allstate are among the companies that have been known to ban certain dog breeds from coverage. Best of luck to you and your dog! One important statistic that confirms the owner's role in their dog's actions is that only 11.2% of dogs that bite have ever been given any obedience training. See, http://writingfrontier.com/2008/10/12/smart-dog/. Talk with a veterinarian before adopting. Loretta L. Worters, a spokesperson for the Insurance Information Institute echoes that advice. American Cocker Spaniel. Bite Force â 195 PSI. On the other hand, State Farm is among the few that don’t have any restrictions on breeds, according to Heather Paul, the company’s spokesperson for pet programs. Smaller breeds are the worst offenders for biting children and for being aggressive. “Dogs are individuals, just like people.”. Male dogs were 6.2 times more likely to fatally bite someone, and sexually intact dogs were 2.6 times more likely to be involved in attacks than are neutered dogs. “Check before you purchase the dog to see what your insurer’s stance is on dogs,” she advises. If something does happen with your dog ….and you didn’t tell the agent or company, the insurance company may deny your claim. While Cass doesn’t counsel against buying any dog that’s of a problem breed, he does recommend calling your insurance agent or company to find out whether they cover the breed, and if not, what it might cost to switch your homeowners or renters policy to a company that does, Loretta L. Worters, a spokesperson for the Insurance Information Institute echoes that advice. This dog has a lot of energy and needs regular exercise sessions. All they can do is bite. Copyright SC Psychological Enterprises Ltd. May not be reprinted or reposted without permission. It's humans failing to do the right thing. Common sense (no small children unsupervised with ANY dog, knowing how your dog may react to different situations etc) is really all it's needed to avoid trouble. I don't know what to say except that I have enjoyed reading. Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to a limit — roughly around $100,000 to $300,000 — Worters of the Insurance Information Institute says. Here’s how to make sure you’re covered. They're even worse over in grooming, where basically all the groomers say they're universally dreaded. I will keep visiting this blog very often. The researchers point out that the circumstances that cause a dog to bite vary and may be influenced by breed behavior tendencies and the behavior of the victim, parents, and dog owner. Get the help you need from a therapist near you–a FREE service from Psychology Today. as an actual breed by the American Kennel Club. No puppy is born vicious, they are a product of their environment. If you want to train your dog right, this is how it's done! Every time there is a media report of someone being mauled by a dog this question arises again in the minds of many people. (or Triple I) and State Farm. Now she is looking at me for other guidance and is definitely listening more to commands. Proving to your insurer that you’re a responsible owner sometimes helps in obtaining coverage and can even be a mitigating factor for a supposedly high-risk breed, Worters of the Insurance Information Institute notes. Other insurers will cover a breed seen as higher-risk but charge a higher premium as a result. Why Do Dogs Have Wet Noses? Farmers, Nationwide, and Allstate are among the companies that have been known to ban certain dog breeds from coverage. bite or is involved in an injury, State Farm looks at every issue individually, Paul says. I started using online dog training from ►►► TeachMyDog . I wonder, "Is his Ph.D. from a diploma mill, or a puppy mill? An agent may ask about previous incidents and inspect any legal claims involving the dog in question when issuing a policy. 4 Chow Chow The Chow Chow is a dog breed originally from northern China, where it is referred to as Songshi Quan, which means "puffy-lion dog". Nice blog. At work, chows are some of the meanest dogs we get. 10 Dog Breeds with the Most Bites. Insurance broker Cass explicitly warns that hiding the fact that you own a particular dog or dog breed is “risky. properly socialized and trained dogs do not bite except in absolute necessity. However the victims of many of these dog bites often play a part in precipitating the tragedy. ... 1The worst dog for biting is the dog cursed with a bad mom and dad. Proving to your insurer that you’re a responsible owner sometimes helps in obtaining coverage and can even be a mitigating factor for a supposedly high-risk breed, Worters of the Insurance Information Institute notes. The Psychological Insight From a $2.95 Cup of Coffee. as far as pit bulls being the #1 dangerous dog, well most of the cases its due to poor training among abuse by the owners, i have one and she is the sweetest dog i have i actually trust her more then i do my little dogs,the dog breed shouldn’t be blamed as much as humans should cause they are the ones training the dogs.i hate hearing how pits are so dangerous, when most of the time when a pit attacks if you … That could cost you thousands of dollars out of your pocket. Stanley Coren, Ph.D., FRSC., is a professor of psychology at the University of British Columbia. It is based upon the one class of dog bites that must be registered, namely those resulting in death. Beagle multiple lacerations to her cheek, chin, and eyelid. Show full articles without "Continue Reading" button for {0} hours. “Check before you purchase the dog to see what your insurer’s stance is on dogs,” she advises. 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