Who pays the medical bills?
A: Dog bite claims are covered under the Bodily Injury liability coverage of the Homeowners Insurance policy of the person who owns or was harboring the dog. Your medical bills would be one of the elements of damages covered under the Bodily Injury liability coverage. Insurance carriers do not, however, pay claims piecemeal. That is, they typically will not pay your medical expenses as you incur them but rather will offer you a lump sum settlement at some point in the future, which is intended to cover all of your damages. Most Homeowners Insurance policies, however, also have a Medical Payment provision that will cover medical expenses, up to the coverage limit, for injuries suffered on the homeowner's premises regardless of whether the homeowner was at fault in causing the underlying injuries. Unfortunately, the Medical Payment coverage limit on most policies is $1000. Additional medical expense claims, therefore, would have to be included at the time an attempt is made to settle the Bodily Injury claim.
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Hazelton Injury Attorneys
P.O. Box 1248
677 Anne St.
Suite B
Bemidji, Minnesota 56601
Phone: 218-444-4529
Toll Free: 888-711-4529
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