MEDICAL MALPRACTICE | March 18, 2026
In this blog, we explore when patients can sue insurance companies or brokers in medical malpractice cases.
A dog bite can, not only result in personal injury, it may lead to long-term consequences. Both dog owners and those injured need to understand New Jersey dog bite laws and how they may affect individuals who have suffered more than a playful nip.
In NJ, the dog owner is responsible in a civil lawsuit under the state’s strict liability law; this applies whether the victim was on public property or on private property. The dog bite victim does not have to prove owner negligence or knowledge that the dog was vicious, or that the dog had bitten someone before their incident. The only exception to this is if provocation of the dog can be proven (young children are exempt from this liability).
The NJ statute of limitations for dog bites is two years unless the victim is a child; minors have until their 18th birthday for that statute of limitations to begin (after which they have the same two years to file for damages).
Common injuries from dog bites include lacerations and puncture wounds that vary in depth and severity and may require stitches. These wounds can also cause tissue damage beneath the skin (such as injury to muscles, tendons, ligaments, or nerves) or lead to infection if not properly treated. More severe injuries from dog bites are avulsions, when skin and muscle are torn away (causing disfigurement and requiring plastic or reconstructive surgery) and even fractures if the force of the bite is strong enough.
Less visible injuries from dog bites are chronic pain, reduced function of the affected area, and emotional distress.
If you are a dog owner, you need to be aware that your homeowner’s or renter’s insurance will provide coverage for the injuries you dog may cause, so more coverage is better. Also, make sure there is no exclusion for the breed of dog you own.
Dog bite injury claims are made against the dog owner’s insurance company. If you choose to go to court, that is a lawsuit against the at-fault party (dog owner). In some situations, the dog owner may not have insurance or the insurance company rejects your claim or offers an inadequate settlement amount; a dog bite lawsuit may be the only way to get just compensation.
You may have a dog bite injury claim if you have suffered short-term or long-term financial, physical, and/or psychological damages. It is important to contact a dog bite attorney to evaluate your documentation (medical records, economic damages, physical and psychological injuries, etc.) and guide you through the legal process.
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