Texas uses a "one-bite" rule plus negligence standards for dog bite claims. Unlike strict liability states, Texas requires showing the dog owner knew or should have known their dog was dangerous. Texas has one of the highest rates of dog bite claims in the country, with insurance claims averaging over $50,000 nationally. Children are the most frequent victims of serious dog bites.
Get My Free Dog Bite Estimate →Texas applies a negligence standard for dog bites. You must prove the dog owner knew or should have known the dog had dangerous tendencies, and the owner failed to exercise reasonable care. Prior aggressive behavior, breed-specific behavior, or violation of leash laws can establish knowledge. Some Texas cities have breed-specific ordinances. The two-year statute of limitations applies. Homeowner's or renter's insurance typically covers dog bite claims.
Statute of Limitations
2 Years
Comparative Fault
51% Bar Rule
Damage Caps
No Cap
Minor dog bites settle for $8,000 to $20,000. Moderate bites requiring stitches or minor surgery range from $25,000 to $75,000. Severe attacks causing significant scarring, nerve damage, or disfigurement — especially to children — produce settlements of $75,000 to $300,000+.
| Severity | Typical Settlement Range |
|---|---|
| Minor Injury | $8,000 |
| Moderate Injury | $25,000 - $75,000 |
| Severe / Catastrophic | $75,000 - $300,000+ |
These ranges are based on publicly available Texas verdict and settlement data. Actual outcomes vary based on specific facts and circumstances.
Scarring & Disfigurement, Nerve Damage, Broken Bones (Fractures), Soft Tissue Injury, PTSD (Post-Traumatic Stress Disorder)
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Texas follows a modified one-bite rule. You must prove the dog owner knew or should have known the dog was dangerous. This can be established through prior bites, aggressive behavior, breed tendencies, or violation of local animal control ordinances.
Minor bites average $8,000 to $20,000. Moderate bites needing medical treatment range from $25,000 to $75,000. Severe attacks causing scarring or disfigurement can reach $75,000 to $300,000+.
Most homeowner's and renter's insurance policies cover dog bite liability, typically up to $100,000 to $300,000. However, some policies exclude certain breeds or require additional riders.
Yes. Child dog bite cases often result in higher settlements due to scarring, emotional trauma, and long-term psychological impact. The dog owner's homeowner's insurance is the primary source of recovery.
If the dog's owner can be identified, you can pursue a negligence claim. If the dog was at large in violation of local leash laws, this strengthens your case. If the owner cannot be found, options are limited to your own health insurance and possible victim assistance programs.
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