Ohio Ranks in Top 5 States for Dog Bite Insurance Claims

Ohio has officially earned a troubling distinction: it now ranks among the top five states in the nation for dog bite insurance claims. According to recent data, Ohio reported 885 dog bite-related insurance claims in 2023, with an average payout of $39,119 per claim—totaling over $34.6 million in settlements. At Paulozzi LPA, our attorneys represent dog bite victims across Ohio and we work hard to ensure maximum settlements for our clients. 

We believe that those injured due to a dog owner’s negligence deserve justice and compensation. If you or your child has been bitten, knowing your rights under Ohio law and understanding the claim process is essential–contact an Ohio dog bite lawyer today!

Understanding the Dog Bite Insurance Claim Process in Ohio

After a dog bite occurs, navigating the insurance claim process can feel overwhelming—especially when dealing with injuries and emotional distress. Here’s what to expect if you’re planning to pursue a dog bite injury claim:

1. Seek Immediate Medical Attention

First and foremost, get the necessary medical care. Even minor bites can become infected or lead to complications, especially in young children or elderly individuals.

2. Report the Incident

Report the bite to your local health department or animal control office. This report serves as important documentation and helps prevent future attacks.

3. Identify the Dog and Its Owner

Gather the owner’s name, contact information, and proof of the dog’s rabies vaccination. This information is crucial to both your health and your legal case.

4. Document Everything

Take clear photos of your injuries, the location of the incident, and any visible signs of a struggle or leash failure. Secure witness statements if anyone saw the attack occur.

5. Notify the Dog Owner’s Insurance Company

Most homeowners’ or renters’ insurance policies will cover dog bite claims. An experienced attorney can help you initiate the process and communicate with insurers on your behalf.

6. Contact an Ohio Dog Bite Attorney

Working with a personal injury attorney who understands Ohio dog bite laws ensures that your rights are protected and that you receive fair compensation. At Paulozzi LPA, we guide clients through every step—from gathering evidence to negotiating settlements or going to trial if necessary.

What You Need to Know About Ohio’s Dog Bite Laws

Ohio is a strict liability state when it comes to dog bites. This legal standard favors victims and makes it easier to recover damages.

Key Legal Points:

• Strict Liability: Dog owners are legally responsible for injuries their dogs cause, even if the dog has no prior history of aggression or the owner took reasonable care.
• No Need to Prove Negligence: Unlike in some states, victims do not have to prove that the owner was careless. You only need to show that the dog caused your injury.
• Exceptions: The owner may argue that you were trespassing, teasing, or provoking the dog. These defenses could limit or bar your compensation.

Time Limit to File:

Under Ohio law, victims have two years from the date of the bite to file a personal injury lawsuit. Failing to meet this deadline can result in losing your right to pursue a claim.

Common Injuries Caused by Dog Bites

Dog attacks can result in far more than minor puncture wounds. The severity of injuries often depends on the dog’s size, bite strength, and the victim’s age and physical condition. Common injuries include:

• Lacerations and deep puncture wounds
• Infections, including rabies and sepsis
• Broken bones, particularly in the hands, arms, or face
• Permanent scarring or disfigurement
• Nerve damage
• Psychological trauma, including PTSD, anxiety, and insomnia

For children and individuals bitten in the face or neck area, reconstructive surgery and therapy may be necessary for years.

What Compensation Can Victims Receive?

If you or a loved one has been attacked by a dog, Ohio law entitles you to seek compensation for damages, which may include:

• Medical expenses (ER visits, surgery, medication, therapy)
• Lost wages and future loss of earning capacity
• Pain and suffering
• Emotional distress
• Disfigurement or permanent scarring
• Loss of enjoyment of life
• Property damage, if applicable (such as torn clothing or broken glasses)

Each case is unique. An experienced attorney from Paulozzi LPA can evaluate your situation, calculate full damages, and ensure that your claim is not undervalued by insurance companies.

Why Choose Paulozzi LPA for Your Dog Bite Case?

Choosing the right attorney can make all the difference. At Paulozzi LPA, we bring:

• Extensive Experience: With decades of personal injury experience in Ohio, we understand the nuances of state law and how to build a strong dog bite case.

• Personalized Representation: We treat every client with empathy and attention, providing tailored legal strategies and ongoing support throughout your case.

• Contingency Fee Arrangement: We operate on a no-win, no-fee basis. That means there’s no upfront cost to hire us. You pay us only if we secure compensation for you.

• Strong Results: Our firm is known for securing fair settlements and trial verdicts for victims of preventable harm—including serious dog attacks.

FAQs About Dog Bite Attacks

How long do I have to file a dog bite claim in Ohio?

Ohio law allows two years from the date of the incident to file a personal injury lawsuit. However, starting the process as soon as possible can help preserve evidence and strengthen your claim.

What if the dog belongs to a friend or family member?

In most cases, compensation will come from the dog owner’s homeowners or renters insurance policy. It is possible to pursue a claim without damaging personal relationships.

Do I need to prove that the dog was dangerous?

No. Under Ohio’s strict liability law, the dog’s previous behavior does not matter. You only need to prove that the dog caused your injury.

Can I sue if I was partially at fault for the bite?

Yes. Ohio follows a comparative negligence rule. If you were less than 51% at fault, you can still recover compensation, though it may be reduced based on your level of responsibility.

What should I do immediately after being bitten?

Seek medical attention, report the incident, document injuries, and contact a personal injury attorney before speaking with the dog owner’s insurance company.

Contact Paulozzi LPA – Your Trusted Cleveland Dog Bite Attorneys

If you or someone you care about has suffered a dog bite injury in Ohio, don’t wait. The aftermath of an attack can be traumatic and costly, but you don’t have to face it alone. At Paulozzi LPA, we’re committed to protecting your rights, holding negligent dog owners accountable, and fighting for every dollar you deserve. Schedule your free consultation or call us today and let us help you move forward with confidence and peace of mind.