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.

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