The dog owner’s insurance can indeed be used to recover damages, provided that the policy has provisions for animal attacks. Not all insurance policies cover animal attacks, and some only fully cover the first incident and offer decreasing or even no coverage for the succeeding attacks.
The place of the attack also matters, as some insurance policies only offer coverage if the attack is within the area insured.
The most common types of insurance that cover animal attacks are the homeowner’s insurance and car insurance. Most homeowners insurance pay for injuries caused by dog or animal attacks that occur on the owner’s property, while car insurance sometimes includes coverage for animal attacks inside or on top of the automobile.
If you or a loved one has been attacked by a dog, you can recover your damages from the owner via his/her insurance. That’s usually the first option unless you know the animal’s owner and are willing to settle in other ways. Most owners would also prefer to let their insurance take care of it because treatment of animal injuries usually cost a lot. In cases where the owner or the insurance refuses to compensate you, you can opt to seek the help of the court and file a lawsuit against them.