Triple-I Blog | Dog-Related Injury Claims Continue to Increase; Average Payout Declines

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Triple-I Blog | Dog-Related Injury Claims Continue to Increase; Average Payout Declines


Triple-I Blog | Dog-Related Injury Claims Continue to Increase; Average Payout Declines

By Max Dorfman, Research Writer, Triple-I

Insurers paid $1.12 billion in dog-related damage claims in 2023, in accordance with analysis by Triple-I and State Farm.  

The whole variety of dog-bite and associated claims was 19,062 in 2023 – a rise of greater than 8 % from 2022 and an increase of 110 % over the previous 10 years. 

However, the typical value per declare decreased from $64,555 in 2022 to $58,545 in 2023. California, Florida, and Texas had probably the most claims.  

“Education and training for owners and pets is key to keeping everyone safe and healthy,” stated Janet Ruiz, director of strategic communications at Triple-I.   

“As the largest property insurer in the country, State Farm is committed to educating people about pet-owner responsibility and how to safely interact with dogs,” added Heather Paul, media relations specialist at State Farm. “It is important to recognize that any dog, including ones that are in the home, can bite or cause injury.” 

During Dog Bite Prevention Week (April 7 – 13), a coalition of veterinarians, animal habits consultants, and insurance coverage representatives urge folks to know the dangers canine bites pose to folks and different pets and the steps required to forestall bites from occurring.    

“Dogs are not just pets; they are beloved members of our households, providing joy, companionship, and comfort in our lives,” stated Dr. Rena Carlson, president of the American Veterinary Medical Association (AVMA). “Together, we can nurture the bonds we share with our dogs and ensure the safety of our families and communities.” 

Tips to forestall canine bites 

All canines – even well-trained, mild canines – can chew when provoked, particularly when consuming, sleeping, or caring for puppies. Therefore, it’s important to maintain each youngsters and canines secure by stopping bites wherever doable. The National Dog Bite Prevention Week Coalition gives the next suggestions:  

  • Make certain your pet is wholesome. Not all sicknesses and accidents are apparent, and canines usually tend to chew if they’re sick or in ache. If you haven’t seen a veterinarian shortly, schedule an appointment for a checkup to debate your canine’s bodily and behavioral well being.  
  • Prioritize correct socialization: Socialization entails gently introducing your canine to a variety of settings, folks, and different animals, and making certain these experiences are constructive. Whether it’s quietly observing the bustle of a park, assembly new folks in a managed method, or getting used to the sights and sounds of your neighborhood, every constructive expertise builds confidence. Remember, socialization is a lifelong journey, not only a pet section. 
  • Take it sluggish. If your canine has been primarily interacting with your loved ones because you introduced them dwelling, don’t rush out into crowded areas or canine parks. Try to reveal your canines to new conditions slowly and for brief intervals of time, organize for low-stress interactions, and search for behaviors that point out your canine is comfy and completely satisfied to stay within the scenario. 
  • Understand your canine’s wants and educate your self in constructive coaching strategies. Recognize your canine’s physique language and advocate for them in all conditions. This will give your canine a lot wanted expertise and make it easier to navigate any challenges you may encounter.  
  • Be accountable about approaching different folks’s pets. Ask permission from the proprietor earlier than approaching a canine and search for indicators that the canine needs to work together with you. Sometimes canines need to be left alone, and we have to acknowledge and respect that.  
  • Make certain that you’re strolling your canine on a leash and acknowledge modifications in your canine’s physique language indicating they is probably not comfy. 
  • Always monitor your canine’s exercise, even when they’re within the yard at your personal home, as a result of they are often startled by one thing, get out of the yard and probably injure somebody or be injured themselves. 

Join the dialogue on Facebook Live April 11 

To help in these efforts, members of the National Dog Bite Prevention Week Coalition—which incorporates the AVMA, State Farm®, Triple I, and Victoria Stilwell Positively—might be internet hosting a Facebook Live occasion on Thursday, April 11, at 1 p.m. Eastern Time. 

The occasion, moderated by licensed animal habits advisor and broadcaster Steve Dale, will focus on coaching suggestions to assist forestall bites, easy methods to safely socialize your canine after a interval of isolation, and easy methods to acknowledge the warning indicators {that a} canine could chew. In addition, the coalition might be releasing the newest dog-related damage claims information. The panelists will even be answering questions submitted by the general public through the occasion.  

RELATED LINKS 

Article: Spotlight On: Dog Bite Liability 

Facts and Statistics: Pet Ownership and Insurance 

Infographic: National Dog Bite Prevention Week 

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