The Illinois Insurance Code was recently amended to require insurance companies that purchase home insurance in the state to report all dog bite claims to the state to the best of their ability. This law comes into force on January 1, 2022.
All insurance companies providing homeowners and renters insurance that issues a policy or coverage for liability for personal injury, or injury or destruction of property resulting from ownership, rental or the rental of a residential property under Section 143.10d of the Illinois Code must document the circumstances and report information, including:
- The breed of the dog and whether the identification was made visually, or by the owner, the expert or the insured;
- Where the dog owner got the dog from a pet store, breeder, animal shelter or rescue organization, friend or acquaintance, or found the dog or if it was a stray dog;
- The sex of the dog and whether or not it has been spayed or neutered;
- Whether or not the person injured by the dog has been observed teasing, tormenting, beating, assaulting, injuring or otherwise provoking the dog;
- The type of injury suffered by the victim, such as a fall or a bite;
- If the injury occurred on the insured’s property or elsewhere, and
- Whether the dog has received obedience training or there have been previous claims or complaints against the dog.
The information must be collected for a period of two years from January 1, 2022 and must be reported annually to the Illinois Department of Insurance. The department will make this information available on its website on July 1, 2023, and then update this information on July 1, 2024. Data and information collected by the department that contains property status or confidential information will not be disclosed.