Insurance Coverage Crucial in Off-Leash Dog Incidents, Attorney Advises

BEND, Ore. (KTVZ) -- Following KTVZ's recent reporting of growing community frustration with off leash pets in public spaces, personal injury attorneys are advising the community on what to do in case of an off-leash dog incident. Moreover, Bend Parks and Recreation District as well as Bend Police are increasing compliance patrols of parks and trails ahead of summer.

Bend Police received 157 dog complaints regarding incidents on park properties in 2025 and have logged 52 calls so far in 2026. Concerns are growing over off-leash dogs in Central Oregon, with a local attorney reporting an increase in people injured and many unsure how to proceed after an attack.

Personal injury attorney Monica Nolan, of Johnson Nolan Law Firm, noted that dog bite and attack cases are becoming more common and unpredictable throughout Central Oregon. "A lot of the dog bites or attacks that we're seeing are unprovoked," Nolan said. Her firm currently manages 20 active cases involving dog attacks or dogs at large.

With summer approaching, Nolan emphasized the importance of knowing what steps to take in the immediate aftermath of an incident. Nolan advises victims to first obtain the dog owner's name and contact information. Gathering insurance details, such as a homeowners or renters insurance policy number, can also be beneficial. She clarified that homeowners or renters insurance often covers dog bites, even if the incident occurs outside the home. "There's a preconceived notion that homeowner's insurance or renter's insurance only applies if the dog bites at your home. That's not the case," Nolan said.

For dog owners, understanding their insurance coverage is equally important. Nolan explained the potential for personal financial responsibility if an owner lacks adequate coverage. "The reason I, talk about this is because you can be personally liable if you don't have insurance coverage that's paying for damages," Nolan said.

In the event of an attack, Nolan stresses that thorough documentation can significantly impact a case. She recommends collecting witness information and their contact details. "If there's any witnesses, get witness information and contact information as well. Third, I would say document your injuries," Nolan advised.

Nolan added that even minor bites should not be ignored. Medical providers are required to report dog bites to the local health department once medical care is involved, integrating the incident into a larger safety system. "When a dog bite happens, your medical provider is required to report that dog bite to the local health department," Nolan said.

She also highlighted "MadPay," a lesser-known coverage option offered by many insurance companies. "One thing, too, is a lot of insurance companies have what's called MadPay…it pays your medical treatment regardless of fault," Nolan noted.

Nolan says understanding your coverage and your rights now could save you time, money, and stress later. Compliance patrols of parks and trails ahead of summer will begin Monday April 27th through May 1st.