Filing an Insurance Claim After a Dog Bite in Michigan
Learn how to file a homeowner’s or renter’s insurance claim after a dog bite in Michigan. Maximize your recovery with our legal team’s help. If you've been bitten by a dog in Michigan, one of the first legal steps is filing an insurance claim. Most dog bite claims are paid through homeowner’s or renter’s insurance policies, but navigating the claims process alone can be stressful and confusing. Here’s what you need to know to protect your rights and increase your chances of receiving full compensation Types of Insurance That May Apply Depending on where the dog bite occurred and who owns the dog, several types of insurance coverage may apply:
- Homeowner’s Insurance – Most common when a dog bite occurs at the owner’s residence.
- Renter’s Insurance – Applies when the dog’s owner rents their home or apartment.
- Landlord Liability Insurance – May apply if a property owner knew of a dangerous dog on the premises and failed to take action.
- Commercial or Business Insurance – Relevant if the bite occurred on a business property or involved a guard dog.
What the Dog Bite Claims Process Looks Like
Filing a claim involves multiple steps that must be carefully executed to ensure a fair outcome:
Step 1: Notify the Dog Owner and Their Insurance Company
As soon as possible after the attack, identify the dog’s owner and obtain their insurance information. Notify the insurer about the incident.Step 2: Submit Evidence and Medical Documentation
Provide all relevant evidence:- Medical records and hospital bills
- Photos of the injuries
- Police or animal control reports
- Eyewitness statements
Step 3: Avoid Recorded Statements Without Legal Advice
Insurance adjusters may ask for a recorded statement. You are not required to give one without an attorney present. These statements can be used to minimize or deny your claim.Step 4: Evaluate and Respond to Settlement Offers
Insurers may offer a quick, low settlement. Always consult an attorney before accepting. Once you accept an offer, you forfeit your right to pursue further compensation.Common Pitfalls in Dog Bite Insurance Claims
Even if liability seems clear, insurance companies may attempt to:
- Minimize your injuries and claim they're not serious
- Delay communication to wear you down or run out the statute of limitations
- Deny the claim based on breed exclusions, provocation allegations, or trespassing defenses
These tactics are designed to reduce their payout—not to help you.
Common Pitfalls in Dog Bite Insurance Claims
Our experienced dog bite attorneys handle every part of the process:
- Gather and present compelling evidence
- Handle all communications with adjusters and insurers
- Negotiate aggressively for full and fair compensation
- File a lawsuit if the insurer refuses a reasonable settlement
We work on a contingency basis, meaning you pay nothing unless we recover compensation for you.