You’re out on a ride, enjoying the road, when suddenly a dog charges out of a yard and bites you. Beyond the shock and pain, you’re now dealing with medical bills, possible scarring, and maybe even a crash caused by the encounter. Naturally, the question comes up: Can you hold the dog’s owner responsible?
The short answer: often yes — but the details matter. Here’s what you need to know.
Dog Bite Laws Vary by State
In many states, dog owners are held strictly liable for bites. That means if their dog bites you, they are responsible for the damages, regardless of whether the dog has bitten anyone before.
Other states apply the so-called “one-bite rule,” where the owner may only be liable if they knew the dog had aggressive tendencies or failed to properly restrain it.
Why Bike Cases Are Different
When you’re bitten while riding, there are usually two layers of harm:
- The Bite Itself – puncture wounds, infections, scarring, rabies treatments, etc.
- The Crash – dog encounters often cause cyclists to lose balance, crash, or collide with traffic. Injuries from the crash can be just as serious as the bite.
This means your damages may include medical bills, bike repairs, lost wages, and pain and suffering — all potentially recoverable through a claim against the owner.
Insurance Coverage
In many cases, the dog owner’s homeowner’s insurance or renter’s insurance may cover dog bite claims. This can apply even if the bite happened on the road outside their property. However, some policies exclude certain breeds or limit coverage, so outcomes can vary.
What to Do After a Dog Bite While Cycling
- Get medical attention immediately. Dog bites carry a high risk of infection and should be treated right away.
- Identify the dog and owner. If possible, get the address, owner’s name, and details about the dog.
- Report the bite. File a report with local animal control or the police — this creates an official record.
- Document everything. Take photos of injuries, your damaged bike, and the location where it happened.
- Talk to a lawyer. An attorney can help you understand your options and pursue compensation.
Final Word
A dog bite on a ride can leave more than just scars — it can derail your training, cause lasting injuries, and hit your wallet hard. The good news? You may have legal options to hold the owner accountable and get compensated.
Important Note
This article is for informational purposes only and does not constitute legal advice. Dog bite laws differ from state to state, and every case is unique. If you’ve been bitten while riding, consult with a qualified attorney to learn what applies in your situation.
👉 Bitten while riding? Contact us today — we’ll connect you with a lawyer who understands both cycling and dog bite cases.
