More than 4.5 million Americans are bitten by dogs each year, according to the American Veterinary Medical Association, and the CDC reported that 1 in 5 dog bites require medical attention.
Dogs and dog bites have long been a concern among insurance personnel. Underwriting has to determine whether or not to write a policy when a dog is in the house, and claims adjusters have to settle claims when a bite has occurred. Each state has statutes dealing with the issues of liability laws, the definition of dangerous dogs and leash laws.
States have moved from statutes governing ownership of certain breeds to using behaviors to define a dog as dangerous and making restrictions around those dogs, regardless of breed.
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