Strict liability under state Dog Acts
Most Australian states impose strict liability on dog owners for injuries caused by their dog. This means the owner's lack of intent or knowledge of viciousness is generally not a defence. Examples:
- NSW Companion Animals Act 1998
- VIC Domestic Animals Act 1994
- QLD Animal Management (Cats and Dogs) Act 2008
- WA Dog Act 1976
Strict liability simplifies claims - you don't need to prove the owner was negligent in keeping the dog. Where the dog attacked, the owner is liable.
Who pays - and finding the insurance
Owners commonly carry public liability insurance through their home and contents policy or rental insurance. Where the dog is at a workplace, business public liability may apply. Where the owner is uninsured, recovery depends on personal assets - which can be limited.
Specialist lawyers identify all available insurance:
- Owner's home and contents policy (most common)
- Renter's insurance
- Business public liability where dog is at workplace
- Strata insurance for common-area attacks in apartment buildings
Compensation amounts
Dog attack settlements depend on injury severity, scarring, and psychological impact:
- Minor bites, full recovery: $5,000 – $25,000
- Bites requiring stitches, minor scarring: $20,000 – $80,000
- Significant scarring, particularly facial: $80,000 – $400,000
- Child victim with scarring or trauma: $100,000 – $600,000+
- Severe attack, permanent impairment, surgery: $200,000 – $1,000,000+
- Psychological injury (PTSD, dog phobia): $50,000 – $200,000 (often added to physical injury claim)
Child victims
Dog attacks involving children attract specific considerations:
- Statute of limitations doesn't run until the child turns 18 - extended time to claim
- Damages calculations include lifetime impact (work, social functioning)
- Cosmetic surgery costs over decades can be substantial
- Psychological trauma is more commonly persistent
Settlements for child dog-attack victims commonly include trust arrangements managed until age 18 (or 25 in some structures).
Free claim assessment A specialist will assess your situation in a no-obligation 15-minute call →