When a dog bites a child, it can be one of the most frightening moments for any parent. After getting medical care, you may hear from the dog owner’s insurance company offering to cover some expenses. While that might sound like a simple way to move forward, accepting too quickly can leave your family with costs you did not expect. Before signing anything, take a moment to ask these three important questions.
1. Does this offer cover all current and future medical costs?
Dog bite injuries often need more than one doctor visit. Children may require stitches, surgery or treatment for infection or scarring. Some may also need therapy to manage fear or anxiety. In Delaware, injury claims can include both short-term and long-term medical care. Before you accept an offer, make sure it covers your child’s full recovery, not just immediate bills.
2. Does the settlement reflect my child’s pain and emotional trauma?
Dog bites can leave deep emotional wounds. Many children deal with nightmares, anxiety or a fear of animals long after the bite heals. Delaware law allows families to seek compensation for pain and suffering, not just medical expenses. Insurance companies often overlook these losses or try to minimize them. Ask yourself whether the offer truly reflects what your child has gone through.
3. Have I talked to a personal injury lawyer first?
Insurance companies want to close cases fast and pay as little as possible. A personal injury lawyer can review your situation, explain what your claim may be worth and negotiate on your behalf. Even one consultation can help you make a confident, informed decision that protects your child’s future.
Asking these questions before accepting a settlement helps ensure your family’s needs are fully considered, both now and later.
Protect your child’s rights after a dog bite
No parent should feel rushed into settling after such a difficult event. Talking to a Delaware personal injury lawyer can bring understanding and the reassurance that your child’s rights and recovery are fully protected.