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Who Pays After a Dog Bite — The Owner or Insurance?

Here’s what you need to know about who pays after a dog bite in Tennessee and how we can help you get every dollar you deserve.

By
Devon Williamson
|
July 28, 2025
By
Devon Williamson
July 28, 2025

You’re out for a walk in your Nashville neighborhood when a loose dog charges you and sinks its teeth into your leg. Or maybe your child is playing at a friend’s house when the family dog suddenly snaps and bites their face.

One minute, life is normal. Next, you’re rushing to the ER, worrying about stitches, scars, infection, and how you’re going to cover the medical bills.

Who’s supposed to pay for this? The dog’s owner? Their insurance? What if they say it’s your fault, or claim the dog has never bitten anyone before?

If you or your child has been bitten by a dog in Nashville, these questions matter — and the answers can make the difference between getting stuck with bills you shouldn’t have to pay and getting the compensation you need to heal and move forward.

At DevonLaw, we fight for people who’ve been hurt because someone didn’t properly control their pet. We know Tennessee’s dog bite laws inside and out, and we know how to stand up to insurance companies that try to dodge responsibility.

Here’s what you need to know about who pays after a dog bite in Tennessee and how we can help you get every dollar you deserve.

Who’s Legally Responsible for a Dog Bite in Tennessee?

In Tennessee, dog owners are generally held legally responsible when their dog bites or injures someone. The state’s “strict liability” statute applies when the bite occurs in a public place or lawfully on private property (such as a sidewalk, street, or at a friend’s house). Under this law, the dog’s owner may be held liable regardless of whether the dog has previously shown signs of aggression or whether the owner knew the dog might bite.

However, if the bite happened on property where the dog owner lives lawfully—whether they own the home or are a legal tenant—Tennessee law creates an exception to strict liability. In this situation, the injured person must prove that the dog’s owner knew or should have known the dog was dangerous. This is a higher legal standard and usually requires evidence such as prior bites, complaints, or other signs of the dog’s aggressive behavior.

If you were bitten, you may be entitled to recover damages for:

  • Medical bills and treatment costs
  • Lost wages or diminished earning capacity
  • Physical and emotional pain and suffering
  • Scarring, disfigurement, or permanent injury

These are rights granted under Tennessee law, and, at DevonLaw, we fight to ensure they are fully enforced on your behalf!

Does Insurance Cover Dog Bites in Tennessee?

Yes, in most cases. Specifically, in Tennessee, most homeowners and renters insurance policies provide coverage for injuries caused by the policyholder’s dog. This typically includes liability coverage for medical expenses, lost wages, and other damages resulting from a dog bite.

But don’t expect the insurance company to make it easy. They will likely claim you provoked the dog, argue the dog had no history of aggression, minimize the severity of your injuries, or offer far less than what you need to cover your medical care and recovery.

Having an experienced Nashville dog bite lawyer in your corner keeps them honest — and forces them to pay what’s fair.

How DevonLaw Protects Dog Bite Victims

When you hire DevonLaw, you get more than legal advice. You get a team that:

  • Investigates what really happened and proves the dog owner’s responsibility
  • Gathers medical evidence and witness statements
  • Negotiates with the insurance company to fight for full and fair compensation
  • Takes your case to trial if the insurer refuses to do the right thing

We don’t back down, and we never let insurance companies push you around.

What to Do After a Dog Bite in Nashville

If you’ve been bitten by a dog in the Nashville area, take the following steps to protect your health and your legal rights:

  1. Seek immediate medical attention. Dog bites can lead to serious infections and should be treated right away.
  2. Report the incident to local authorities — either animal control in the county where the bite occurred or the local police department. 
  3. Document everything. Take clear photos of your injuries, the dog (if possible), torn clothing, and the location where the bite occurred.
  4. Collect information. Get the name and contact details of the dog’s owner and any eyewitnesses.
  5. Speak with a Nashville dog bite attorney before giving any statements to the dog owner’s insurance company.

Taking these steps early can make a major difference in the strength and outcome of your case.

Reach Out to a Nashville Dog Bite Attorney Who Fights With Heart

A dog bite can turn your life upside down in an instant. You shouldn’t be left to deal with overwhelming medical bills, lost income, emotional stress, and permanent scarring on your own.

DevonLaw is here to hold negligent owners and their insurers accountable so you can focus on getting better.

Contact us today for a free consultation. No upfront fees, no pressure — just answers, action, and a legal team ready to fight for every penny you’re owed.

Are You Getting What Your Case Is Worth?

If you have been injured in an accident, your case may be worth more than you think. Contact our office today for a free case evaluation to discuss your case.