Triple-I: Dog-Related Injury Claim Payouts Hit $1.12 Billion in 2023

U.S. insurers paid out $1.12 billion in dog-related injury claims in 2023 according to the Insurance Information Institute (Triple-I) and State Farm.

In addition to the potential for physical or emotional harm, dog bites can be financially costly. Janet Ruiz, director of strategic communications at the Triple-I, reported that in 2023, the number of dog bite and related injury claims was 19,062, an increase of more than 8% from 2022 and a 110% increase over the past decade, with the total cost of claims at $1.12 billion. On a positive note, the average cost per claim decreased from $64,555 in 2022 to $58,545 in 2023. California, Florida and Texas had the most claims. “Education and training for owners and pets is key to keep everyone safe and healthy,” said Ruiz.

“As the largest property insurer in the country, State Farm is committed to educating people about pet owner responsibility and how to safely interact with dogs,” said Heather Paul, media relations specialist at State Farm. “It is important to recognize that any dog, including ones that are in the home, can bite or cause injury. Every dog has a unique personality and while breed or type may dictate how they look, how a dog reacts isn’t guaranteed by those qualities.”

Triple-I is marking National Dog Bite Prevention Week (April 7-13) to promote awareness and education for owners and pets. During National Dog Bite Prevention Week, a coalition of veterinarians, animal behavior experts and insurance representatives are urging people to understand the risks dog bites pose to people and other pets, and steps to prevent bites from happening.

“Dogs are not just pets; they are beloved members of our households, providing joy, companionship, and comfort in our lives,” said Dr. Rena Carlson, president of the American Veterinary Medical Association (AVMA). “While the reality is that any dog can bite, most such incidents are preventable. As we mark National Dog Bite Prevention Week, let's commit to increasing our understanding of the issue and taking proactive steps towards prevention. Together, we can nurture the bonds we share with our dogs and ensure the safety of our families and communities.”

Join the discussion on Facebook Live April 11

To assist in these efforts, members of the National Dog Bite Prevention Week Coalition—which includes the AVMA, State Farm®, Triple I, and Victoria Stilwell Positively—will be hosting a Facebook Live event on Thursday, April 11, at 1 p.m. Eastern Time.

The event, moderated by certified animal behavior consultant and broadcaster Steve Dale, will discuss training tips to help prevent bites, how to safely socialize your dog after a period of isolation, and how to recognize the warning signs that a dog may bite. In addition, the coalition will be releasing the latest dog-related injury claims data. The panelists will also be answering questions submitted by the public during the event.

Tips to prevent dog bites

Dogs can bite for many reasons, including improper care or a lack of socialization. All dogs, even well-trained, gentle dogs, are capable of biting when provoked, especially when eating, sleeping or caring for puppies. Therefore, it’s vitally important to keep both children and dogs safe by preventing dog bites wherever possible. The National Dog Bite Prevention Week Coalition provides the following tips:

• Make sure your pet is healthy. Not all illnesses and injuries are obvious, and dogs are more likely to bite if they are sick or in pain. If you haven’t been to the veterinarian in a while, schedule an appointment for a checkup to discuss your dog’s physical and behavioral health.
• Prioritize proper socialization: Socialization involves gently introducing your dog to a range of settings, people, and other animals, and ensuring these experiences are positive. Whether it's quietly observing the bustle of a park, meeting new people in a controlled manner, or getting used to the sights and sounds of your neighborhood, each positive experience builds confidence. Remember, socialization is a lifelong journey, not just a puppy phase.
• Take it slow. If your dog has been mainly interacting with your family since you brought them home, don’t rush out into crowded areas or dog parks. Try to expose your dogs to new situations slowly and for short periods of time, arrange for low-stress interactions, and look for behaviors that indicate your dog is comfortable and happy to remain in the situation.
• Understand your dog’s needs and educate yourself in positive training techniques. Recognize your dog’s body language and advocate for them in all situations. This will give your dog much needed skills and help you navigate any challenges you might encounter.
• Be responsible about approaching other people’s pets. Ask permission from the owner before approaching a dog, and look for signs that the dog wants to interact with you. Sometimes dogs want to be left alone, and we need to recognize and respect that.
• Make sure that you are walking your dog on a leash and recognize changes in your dog’s body language indicating they may not be comfortable.
• Always monitor your dog’s activity, even when they are in the backyard at your own house, because they can be startled by something, get out of the yard and possibly injure someone or be injured themselves.

“Part of my job as a dog trainer and behavior expert is to empower people with knowledge about the dogs with whom they share their lives,” said Victoria Stilwell, celebrity dog trainer and behavior expert. “And it’s this knowledge that not only enriches the relationship between dogs and people, but helps reduce the likelihood of bites from occurring.”

RELATED LINKS

Article: Spotlight On: Dog Bite Liability

Facts and Statistics: Pet Ownership and Insurance

Infographic: National Dog Bite Prevention Week

About the Insurance Information Institute

With more than 50 insurance company members — including regional, super-regional, national, and global carriers — the Insurance Information Institute (Triple-I) is the #1 online source for insurance information in the U.S. The organization’s website, blog and social media channels offer a wealth of data-driven research studies, white papers, videos, articles, infographics and other resources solely dedicated to explaining insurance and enhancing knowledge.

Unlike other sources, Triple-I’s sole focus is creating and disseminating information to empower consumers. It neither lobbies nor sells insurance. Triple-I offers objective, fact-based information about insurance – information that is rooted in economic and actuarial soundness. Triple-I is affiliated with The Institutes Risk and Insurance Knowledge Group.

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#Triple-I reported that in 2023, number of dog bite & related injury #insurance claims was 19,062, an increase of more than 8% from 2022 and a 110% increase over past decade, with total cost of claims at $1.12 billion. @iiiorg @StateFarm