It depends. If the dog owner has a homeowner’s insurance policy, there may be a medical payments provision in that policy to cover some of your immediate medical expenses. However, if the dog owner’s homeowner’s policy does not have a medical payments provision, your only remedy is to bring a claim against the dog owner. While the dog owner’s homeowner’s liability policy may ultimately pay for your pain, suffering and out of pocket expenses, including medical bills, payment from the liability policy takes much longer to pay out. In the event there is no medical payment policy available, perhaps the best option is to apply for private insurance if you can afford it, or if you can’t afford it, apply for needs based medical insurance such as Medicaid.
