Dog bite injuries can lead to unexpected medical costs, emotional trauma, and long recovery periods. In Connecticut, victims may be entitled to compensation.

Dog Bite Settlements in Connecticut: What Victims Can Expect

Dog bites are more common than many realize. The Centers for Disease Control and Prevention (CDC) estimates over 4.5 million dog bites occur each year in the United States. Thousands of those cases result in insurance claims and lawsuits—Connecticut included. For injured victims, the financial and emotional toll is often significant, making fair compensation essential. But what is the average dog bite settlement in Connecticut?

The answer depends on several factors. From the severity of the injury to the type of insurance coverage involved, every case is different. Below, we break down how Connecticut law treats dog bite injuries, what influences a settlement, and what victims can do to protect their rights.

Strict Liability Laws in Connecticut for Dog Bites

No Need to Prove Negligence

Connecticut is a strict liability state when it comes to dog bites. Under Connecticut General Statutes § 22-357, dog owners are financially responsible for any injuries or damages their dog causes—whether or not the dog has bitten before and regardless of the owner’s knowledge of the animal’s temperament.

There are limited exceptions. If the victim was trespassing, teasing, or tormenting the dog at the time of the attack, compensation may be reduced or denied. But in most cases, victims do not need to prove that the owner was careless or negligent.

What’s the Average Settlement for a Dog Bite in Connecticut?

While settlement amounts can vary significantly, most dog bite cases in Connecticut fall within a general range. Based on recent national insurance claim data from the Insurance Information Institute (Triple-I) and local legal outcomes:

• Average settlement range: $30,000 to $80,000
• Severe cases (permanent disfigurement or disability): $100,000+
• Minor injuries (abrasions, minor punctures): $10,000 to $25,000

In 2023, the average dog bite claim in the U.S. was valued at approximately $58,000, a figure that has steadily increased due to rising medical costs and larger jury verdicts. Connecticut often tracks near or above the national average due to its strict liability laws and dense suburban populations where dog incidents are more frequently reported.

Factors That Influence Dog Bite Settlements in CT

Every dog bite case is fact-specific. The amount of compensation a victim receives depends on a combination of legal, medical, and personal factors.

Severity of Injury

• Deep lacerations, broken bones, or nerve damage will typically result in higher compensation than superficial bites.
• Scarring or permanent disfigurement, especially on visible areas like the face or hands, increases the settlement value.

Medical Expenses

• Emergency room visits, plastic surgery, physical therapy, and ongoing treatments all contribute to the total value.
• Future anticipated medical needs, such as additional surgeries or psychological therapy, are also considered.

Lost Income

• Time missed from work due to recovery can be reimbursed.
• Loss of earning capacity—if the injury results in long-term disability—can dramatically increase the award.

Emotional and Psychological Trauma

• PTSD, anxiety, or a fear of dogs (cynophobia) are common after serious attacks.
• Compensation may include therapy costs and general damages for emotional suffering.

Victim’s Age

• Children tend to receive higher settlements due to the potential for long-term effects and future surgeries.
• Juries may be more sympathetic to young victims, influencing verdicts or negotiations.

Insurance Coverage and Its Role in Settlement Value

In many cases, a homeowner’s or renter’s insurance policy covers dog bite claims. The average policy may include $100,000 to $300,000 in liability coverage. However:

• If the dog owner has no insurance, recovery becomes more difficult and may rely on the dog owner’s personal assets.
• Umbrella insurance policies can provide additional compensation if damages exceed base limits.

If a settlement cannot be reached through insurance negotiations, the case may proceed to trial—although most cases settle out of court.

Why Legal Representation Makes a Difference

Connecticut dog bite victims often benefit from hiring a skilled personal injury attorney early in the process. Insurers may offer quick, low settlements that don’t account for long-term medical or emotional needs. An experienced lawyer can:

• Investigate liability and gather evidence (e.g., animal control reports, witness statements)
• Accurately value your claim using medical records, expert opinions, and comparable case outcomes
• Negotiate assertively with insurers
• Take the case to trial if necessary to secure fair compensation

Injury lawyers in Connecticut typically work on a contingency fee basis, meaning they only get paid if you receive a settlement or court award.

Common Injuries in Connecticut Dog Bite Cases

• Puncture wounds and lacerations
• Nerve damage or tendon injuries
• Scarring and keloid formation
• Facial injuries requiring plastic surgery
• Infections, including cellulitis and rabies exposure
• Psychological disorders (especially in children)

Medical documentation and expert testimony are often used to establish the full scope of damages and justify higher settlements.

How Long Do You Have to File a Dog Bite Lawsuit in Connecticut?

Connecticut imposes a two-year statute of limitations on personal injury claims, including dog bites. That means victims have two years from the date of the attack to file a lawsuit. Delaying legal action beyond that window could result in forfeiting your right to compensation.

There may be exceptions for minors or delayed discovery of injuries, but it’s wise to act quickly to preserve evidence and maintain leverage during negotiations.

Conclusion

The average dog bite settlement in Connecticut depends on many factors—from the severity of injuries to available insurance coverage. With the state’s strict liability laws favoring victims, those who take prompt legal action often have a strong chance of recovering fair compensation. Whether the injury was minor or life-altering, securing experienced legal representation can help maximize the outcome and ensure long-term needs are addressed.

Need Legal Help? Brandon J. Broderick, Attorney at Law is One Phone Call Away

Navigating Connecticut dog bite claims can be challenging. Fortunately, you don't need to do it alone. The experienced dog bite lawyers at Brandon J. Broderick, Attorney at Law, are available 24/7 to help you understand your legal options, gather necessary evidence, and build a strong case to secure the settlement you deserve.

Contact us now for a free legal review.