Who Pays Dog Bite Damages?

Many serious dog attacks involve the dog of a friend or family member. Therefore, victims frequently worry about who will pay their damages because they don’t want a friend or family member to feel the burden. There is no reason to worry. Even though the dog owner is technically liable, the damages usually are paid by:

  1. Homeowner’s insurance;
  2. Renter’s insurance;
  3. Landlord’s insurance;
  4. Dog owner insurance;
  5. Insurance covering employers and breeders, if they are responsible.

Therefore, if you are a victim and the dog owner is a friend or family member who is covered by insurance, and if that insurance has a limit high enough to cover your needs, there is no possibility that your friend or family member will ever have to pay one cent toward your compensation.

There have been cases where a defendant in a lawsuit had to pay for damages out of his or her pocket because:

  1. The insurance was inadequate;
  2. There was no insurance
  3. The defendant acted with actual malice and intentionally caused the injury, and the damages were designed to punish him or her.

However, the victim has complete control as to whether to ask for or collect such compensation. If the victim decides against pursuing certain damages, there is no possibility that the dog owner will have to pay them.

Dear valued clients:

Our office is aware of the Covid 19 situation and is taking measures to keep our staff safe during these difficult times. For the immediate future, we will not be meeting in person with any of our clients. However, all of our clients can reach us by telephone, email at chicagolegalnet@yahoo.com or by facsimile at 630-451-9477. Our office remains open and we will continue our work as usual. We feel this is best for everyone concerned.

If you have recently suffered an injury from a work related accident and would like to retain our services, the entire process can be done by telephone, electronic and/or regular mail. We have operators available 24 hours a day, seven days a week. Please feel free to contact us anytime at 312-661-0450 and speak with one of our experienced and knowledgeable attorneys. Once this is has passed, we will gladly meet with you in person to answer any questions or address any concerns you may have.

Thank you for your patience and consideration. Be safe and stay healthy!


Donald Fohrman
Donald W. Fohrman & Associates, Ltd.