Legal Question in Personal Injury in California
dog bite- no insurance
I was at a party where the owner's dog bit a little boy and later the same day bit me. This party was for her employees (she runs a catering business) and she had a few emplyees working for her that day. However, the homeowner's insurance has a dogbite exclusion, so I was wondering if her business insurance might cover damages, or might there be loopholes to work around the dogbite exlusions? Like severe negligence??
5 Answers from Attorneys
Re: dog bite- no insurance
Yes, her insurance would probably cover this. Give me a call if I can help.
Charley
Re: dog bite- no insurance
If you have a valid claim, you present a claim to her. Insurance is simply to pay those claims. If you don't want to do that for various reasons, it is your choice.
Re: dog bite- no insurance
The owner of the dog is strictly liable for the dog bite. There is no need to prove negligence. Whether there's insurance or not doesn't affect liability.
Re: dog bite- no insurance
Yes, there may e.
Re: dog bite- no insurance
If she owns a home, then there are assets against which you may collect once you get a judgment. Please let me know if I might be of assistance. There might be an issue of workers compensation, however, which might be the exclusive remedy if you're an employee.
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