How Much Is a Dog Bite Claim Worth?

Strict Liability vs. One-Bite Rule

Most states (including California, New York, and Florida) have strict liability laws — the dog owner is liable regardless of whether the dog had a history of aggression. About 16 states still follow the "one-bite rule," requiring proof the owner knew the dog was dangerous. Strict liability states produce significantly higher settlements.

Severity of Physical Injuries

Deep puncture wounds, nerve damage, tendon injuries, and injuries requiring reconstructive surgery command the highest settlements. Facial injuries, particularly those affecting children, often result in the largest awards due to permanent scarring and psychological impact.

Permanent Scarring and Disfigurement

Visible scars — especially on the face, neck, or hands — are compensated separately from medical bills. Courts and juries award significant amounts for permanent disfigurement, particularly for children and young adults whose scars will be visible for decades.

Psychological Trauma

Post-traumatic stress disorder (PTSD), anxiety, and phobias are well-documented consequences of dog attacks, especially in children. Documented psychological treatment significantly increases settlement value.

Homeowner's Insurance Coverage

Most dog bite claims are paid through the dog owner's homeowner's or renter's insurance. Policy limits typically range from $100,000 to $300,000. If damages exceed the policy limit, the owner's personal assets may be pursued.