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Many serious dog attacks involve the dog of a friend or family member.
Therefore, victims frequently worry about who will pay their damages
because they don't want a friend or family member to feel the burden.
There is no reason to worry. Even though the dog owner is technically
liable, the damages usually are paid by:
(a) Homeowner's insurance;
(b) Renter's insurance;
(c) Landlord's insurance;
(d) Dog owner insurance;
(e) Insurance covering employers and breeders, if they are responsible.
Therefore, if you are a victim and the dog owner is a friend or family
member who is covered by insurance, and if that insurance has a limit
high enough to cover your needs, there is no possibility that your
friend or family member will ever have to pay one cent toward your
compensation.
There have been cases where a defendant in a lawsuit had to pay for
damages out of his or her pocket because:
(a) The insurance was inadequate;
(b) There was no insurance
(c) The defendant acted with actual malice and intentionally caused
the injury, and the damages were designed to punish him or her.
However, the victim has complete control as to whether to
ask for or collect such compensation. If the victim decides against
pursuing certain damages, there is no possibility that the dog owner
will have to pay them.
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