Use Cases
Funding for Dog Bite and Animal Attack Claims
• 2 min read
Dog bite cases can settle quickly or drag on for months depending on the insurance situation. Funding bridges both scenarios.
Most dog bite claims are covered under the dog owner's homeowner's or renter's insurance, with typical policy limits of $100,000 to $300,000.
When liability is clear and the insurance is available, cases can resolve in months. When the homeowner has no insurance or the carrier disputes coverage, cases stretch much longer.
Pre-settlement funding is available on most attorney-represented dog bite cases regardless of which scenario you're in.
Where the coverage usually comes from
Most dog bite cases are covered by the dog owner's homeowner's or renter's insurance. Standard policies typically include $100,000 to $300,000 in liability coverage for incidents involving animals on the property.
Some policies exclude certain breeds or exclude animal incidents entirely. Your attorney will determine what coverage applies in your specific case.
Quick-resolving cases
When liability is clear, the dog has a documented bite history, and coverage is available, dog bite cases can resolve in three to six months.
Even quick-resolving cases produce months of medical bills and missed work that funding can bridge.
Long-resolving cases
When liability is contested, coverage is disputed, or the dog owner has no insurance, cases can stretch to 18 months or longer.
Long-resolving dog bite cases are common funding candidates because injuries to children and disfigurement claims often go to trial.
Special considerations for child victims
Dog bite cases involving children often require court approval of any settlement, which adds time and procedure.
Funding for parents on behalf of a child victim is generally available, with the repayment coming from the eventual court-approved settlement.
Talk to AARC before you make a financial move you'll regret
Every situation is different, and the right answer depends on the specifics of your case, your timeline, and what you need the money for. The single best thing you can do is have a short, no-pressure conversation with someone who funds these cases every day.
Call AARC at (800) 297-3834 or apply online in about three minutes. There is no credit check, no obligation, and no cost to find out what you qualify for. If a cash advance isn't the right tool for your situation, we'll tell you that too.
Frequently asked questions
- What can I spend the advance on?
- There are no restrictions. Claimants commonly use funds for rent, groceries, utilities, transportation, childcare, and medical co-pays while their case is pending.
- Is a pre-settlement cash advance a loan?
- No. It is non-recourse funding tied to your personal injury claim. There are no monthly payments, and if your case does not recover, you owe nothing.
- Do I need good credit or a job to qualify?
- No. AARC does not run a credit check and does not require employment or income verification. Approval is based on the strength of your claim and your attorney's representation.
- How fast can I get funded?
- Most approved applicants receive funds in as little as 24 hours once AARC has the case documents from your attorney.
- How much does it cost?
- AARC uses a flat fee rather than compounding monthly interest. Typical advances are $500, $750, or $1,000, and the illustrative payoff at settlement is 2x the advance amount.
About the author
Written by the funding team at AARC — Accident Advance & Resource Center. AARC underwrites pre-settlement cash advances for personal injury claimants and works directly with plaintiff attorneys across 45 states. Our team reviews case documentation daily and writes from that firsthand experience.
This article is general information, not legal or financial advice. Always confirm details with your attorney. Contact AARC or call (800) 297-3834 with questions about your specific case.
