What Factors Influence Dog Bite Settlement Amounts?

In Oklahoma, dog bite settlement amounts are typically determined by three primary factors: legal liability, the total scope of damages, and insurance availability.

Specific factors that influence the final value of a claim include:

• Severity of Injuries: The physical impact, including permanent disfigurement or long-term disability, significantly shapes the settlement value.
• Medical Expenses: This covers all past and future costs, including emergency room visits, surgeries, physical therapy, and psychological counseling for trauma.
• Economic Losses: Settlement amounts account for lost wages during recovery and any diminished earning capacity if the victim cannot return to their previous job.
• Non-Economic Damages: Compensation is also pursued for "pain and suffering," which includes the personal emotional and physical impact of the attack.
• Comparative Fault: Under Oklahoma’s strict liability laws, a settlement may be reduced if it is found that the victim provoked the dog, was trespassing, or was committing a crime at the time of the incident.
• Insurance Policy Limits: Most settlements are paid through homeowners or renters insurance. The policy limit (e.g., $100,000) often acts as a ceiling for the total collectible compensation, regardless of the actual value of the damages.