Insurer Files Lawsuit to Avoid Having to Pay Out in Dog Bite Attack
A family in Illinois is finding out just how hard an insurer will try to avoid having to pay out in a dog bite incident. The insurer, Illinois Farmers Insurance has filed suit this week to avoid paying compensation to the victim of a dog bite attack.
The dog bite here occurred in July last year. The victim Chloe Pluger was bitten by a dog belonging to Gary and Sharon Lindstrom. Chloe's father Matthew Pluger filed a lawsuit against the Lindstroms. The lawsuit sought to recover compensation for injuries that Chloe suffered in the dog bite attack. However, Farmer’s Insurance refused to cover the injuries.
The basis for this was that Chloe's mother had been dating Lindstrom's son when the dog bite occurred. The insurer alleged that for months before the dog bit Chloe, and for two weeks after the dog bite, they had all been residing in the same house belonging to the Lindstroms. According to the insurer, their dog bite policy specifically excludes members of the same household from liability.
To those not familiar with the kind of measures that insurers can adopt to avoid having to pay out compensation to injured victims, this means that the Farmer's policy excludes Chloe because she had been living at the Lindstrom's residence when the attack occurred.
As this case shows, you can expect an insurance company to try everything possible to avoid having to pay out compensation even in a simple dog bite case where liability is apparent. I don't know much about the injuries that Chloe suffered here, but in case of a severe dog bite, victims may be looking at heavy medical expenses that could leave them in severe financial distress if the insurer refuses to pay out.
Scott Grossman is a dog bite attorney in New Jersey representing victims of dog bites in Monmouth, Ocean, Passaic, and Bergen Counties, and across the state of New Jersey.
