A dog bite can change your life in a matter of seconds. What began as a normal day—a walk around the neighborhood, visiting a friend’s home, or playing in your own yard—suddenly turns into pain, fear, and confusion. The injury is real. The trauma is real. And the questions that come next can feel overwhelming, especially when the dog belongs to someone you know.
If you or someone you love has been bitten by a dog in Walsenburg, you are not overreacting by seeking legal guidance. Dog owners are responsible for the actions of their animals, and Colorado law is clear about that. At McCormick & Murphy, we have helped families across Southern Colorado hold negligent owners accountable and recover compensation for medical bills, lost wages, scarring, and emotional trauma. We know what these injuries do to people—especially children—and we know how to help.
Call us at 888-668-1182 for a free consultation. We serve clients in Walsenburg and throughout Huerfano County.
Dog bite injuries carry a weight that other personal injury cases do not. You are often dealing with someone you know—a neighbor, a friend, a relative. The guilt and hesitation that come with that relationship are real, and they stop many people from taking action even when the injury is serious.
But here is the truth: filing a claim is not about punishing your neighbor. It is about covering medical bills that your family should not have to absorb. It is about making sure your child gets the counseling they need after a traumatic event. It is about holding the insurance system accountable, not the person you know.
Homeowner’s insurance exists for exactly this reason. Most dog bite claims are paid through the dog owner’s homeowner’s policy, not out of their personal bank account. That coverage is there to protect both the homeowner and the people their dog injures. Using it is not a betrayal.
Colorado follows a strict liability rule for dog bites. That means if a dog bites you and you were lawfully on the property where the bite occurred, the owner is liable—period. You do not need to prove the dog was vicious. You do not need to show the owner knew the dog was dangerous. You do not need a history of prior attacks.
The law applies whether the bite happened at the owner’s home, on a public sidewalk, or in a park. The key is that you were not trespassing and you did not provoke the animal.
This is a stronger standard than many other states, and it exists because lawmakers recognized that dog owners must be accountable for their animals. If someone chooses to keep a dog, they assume the responsibility that comes with it.
Dog bites are not minor. Even a bite that looks manageable at first can lead to serious complications. These injuries often require multiple medical visits, wound care, antibiotics, and sometimes surgery.
Infections are common. Dog mouths carry bacteria that can quickly enter deep tissue, causing cellulitis, abscesses, or even sepsis in severe cases. Injuries to the hands, feet, and face are especially vulnerable to infection and long-term damage.
Scarring and disfigurement are another concern. Bites to the face, neck, or arms can leave permanent marks, particularly in children whose skin is still developing. Reconstructive surgery may be necessary, and even with treatment, scars often remain.
Nerve damage is not unusual, especially when a bite is deep. Victims may lose sensation or mobility in the affected area, sometimes permanently.
Then there is the emotional trauma. Children who are bitten often develop a lasting fear of dogs. They may struggle with nightmares, anxiety, or post-traumatic stress. Adults experience this too. That psychological impact is just as real as the physical wound, and it deserves to be recognized in any claim.
The steps you take immediately after a bite can make a significant difference in both your recovery and your legal case.
First, get medical attention. Even if the wound seems small, a doctor needs to evaluate it. Infections can develop quickly, and some injuries—like puncture wounds—are more serious than they appear on the surface. Medical records also become critical evidence if you decide to file a claim.
Document everything. Take photos of the injury as soon as possible and continue to photograph it as it heals. If your clothing was torn or bloodied, keep it. If there are witnesses, get their names and contact information.
Report the bite. In Walsenburg, contact Huerfano County Animal Control or local law enforcement. A formal report creates an official record of the incident and may help identify whether the dog has a history of aggression.
Identify the dog and its owner. Get the owner’s name, address, phone number, and homeowner’s insurance information if possible. If the dog is a stray, report that as well.
Do not agree to any settlement or sign anything from an insurance company before speaking with a lawyer. Insurers often reach out quickly with low-ball offers, hoping you will accept before you understand the full scope of your injuries. Once you sign, you give up your right to pursue additional compensation.
Most dog bite claims are covered by the dog owner’s homeowner’s insurance policy. These policies typically include liability coverage that pays for injuries caused by the insured person’s dog, whether the bite happens on their property or elsewhere.
Renter’s insurance may also provide coverage if the dog owner rents their home. Some policies exclude certain breeds, but many do not. Either way, an experienced attorney knows how to investigate the available coverage and pursue every avenue of compensation.
If the dog owner has no insurance, you may still have options. In some cases, the property owner where the bite occurred may share liability, particularly if they knew the dog was dangerous and allowed it to remain on the premises.
Dog bite victims in Colorado may be entitled to several types of compensation, depending on the severity of the injury and the circumstances of the attack.
Medical expenses are the most straightforward. This includes emergency room visits, doctor’s appointments, medications, wound care, surgeries, physical therapy, and any future medical treatment related to the injury.
Lost wages come into play if the injury forced you to miss work. This applies whether you are an hourly worker, salaried employee, or self-employed. If your injuries prevent you from returning to your previous job, you may also be entitled to compensation for lost earning capacity.
Pain and suffering accounts for the physical pain, emotional distress, and diminished quality of life caused by the attack. This is especially significant in cases involving children, permanent scarring, or PTSD.
Scarring and disfigurement are often valued separately, particularly when the injury affects a visible area like the face or hands. These injuries can have lifelong social and psychological effects.
In cases where the dog owner’s conduct was especially reckless—such as knowing the dog was dangerous and failing to restrain it—punitive damages may be available. These are intended to punish the wrongdoer and deter similar conduct in the future.
This is where many dog bite cases stall. The victim feels conflicted. The dog belongs to a friend, a neighbor, a family member. Filing a claim feels like an attack on someone you care about.
But insurance exists to handle situations exactly like this. Your neighbor’s homeowner’s policy is designed to pay for injuries their dog causes. That is why they carry it. You are not taking money out of their pocket—you are using the coverage they have paid for.
Your medical bills are not going to pay themselves. Your child’s counseling is not free. The scar on your arm is permanent. Those are real consequences, and they deserve real compensation. The relationship you have with the dog owner does not change that.
Many dog owners, once they understand that insurance will cover the claim, are relieved that you are getting the help you need. They do not want you to suffer financially because of their dog’s actions.
It does not matter. Colorado’s strict liability law applies even if the dog has no history of aggression. The fact that the dog was always friendly in the past does not erase the injury it caused today.
Insurance companies and defense lawyers will often try to argue that the dog is not dangerous, as if that somehow diminishes your injury. It does not. The law is on your side.
Colorado follows a modified comparative negligence rule. That means if you are found to be partially at fault for the incident, your compensation may be reduced by your percentage of fault—but only if your fault is less than 50%. If you are 50% or more at fault, you cannot recover anything.
For example, if a jury decides you were 20% at fault because you approached a dog that was displaying warning signs, your total compensation would be reduced by 20%. But if you were lawfully present and did nothing to provoke the animal, you should not bear any fault.
Insurance companies will often try to shift blame onto the victim, particularly in cases involving children. That is why you need an attorney who knows how to counter those arguments and protect your rights.
Children are the most common victims of serious dog bites. They are smaller, more vulnerable, and more likely to approach a dog without recognizing warning signs. Bites to the face, head, and neck are far more common in children than in adults.
The trauma that follows a dog bite can shape a child’s emotional development for years. Fear of dogs, anxiety in public spaces, nightmares, and behavioral changes are all common. Counseling is not optional—it is often a necessary part of recovery. And it is compensable under Colorado law.
Parents sometimes hesitate to pursue a claim because they do not want their child to relive the trauma. But protecting your child’s future—financially and emotionally—is not about dwelling on the past. It is about making sure they have access to the care they need and that the responsible party is held accountable.
Colorado’s statute of limitations for personal injury claims, including dog bites, is generally two years from the date of the injury. If you do not file a lawsuit within that window, you lose your right to pursue compensation.
Two years may sound like a long time, but it goes faster than you think. Medical treatment takes time. Gathering evidence takes time. Negotiating with insurance companies takes time. The sooner you contact an attorney, the stronger your case will be.
Insurance companies do not pay claims because it is the right thing to do. They pay because they have to. And they will do everything they can to minimize what they owe you.
They will argue that your injuries are not as serious as you claim. They will suggest you provoked the dog. They will offer a settlement that sounds reasonable but falls far short of covering your actual losses.
An experienced dog bite attorney knows these tactics. We know how to investigate the incident, gather evidence, consult with medical experts, and build a case that reflects the true value of your claim. We know how to negotiate with insurance companies and, when necessary, take your case to trial.
At McCormick & Murphy, we do not charge you anything unless we recover compensation for you. That means you can pursue your claim without worrying about upfront legal fees.
Kirk McCormick and Jay Murphy have spent their careers fighting for people who have been injured through no fault of their own. We represent clients throughout Southern Colorado, including Walsenburg, Pueblo, Cañon City, Florence, Penrose, Aguilar, and surrounding communities.
We handle personal injury claims of all kinds, and we understand the unique challenges that dog bite cases present. We know what it is like to feel torn between your rights and your relationships. We know how to handle insurance companies that try to deny or devalue your claim. And we know how to get results.
Our office is located at 301 N Main St, Pueblo, CO 81003, but we meet with clients throughout the region. Call us at 888-668-1182 to schedule a free consultation. We will review your case, answer your questions, and help you understand your options. No pressure. No obligation. Just honest guidance from attorneys who care.
A dog bite is not a small thing. It is a serious injury with real consequences—medical, financial, and emotional. You have the right to hold the responsible party accountable, and you have the right to full compensation for everything you have been through.
Do not let guilt, hesitation, or confusion stop you from protecting yourself and your family. Call McCormick & Murphy at 888-668-1182 today. Let us handle the legal fight so you can focus on healing.
Seek medical attention right away, even if the wound seems minor. Clean the wound with soap and water if possible, and have a doctor evaluate it for infection risk and deeper tissue damage. Document the injury with photographs, get the dog owner’s contact and insurance information, and report the bite to Huerfano County Animal Control or local law enforcement. Do not agree to any settlement or sign documents from an insurance company before speaking with an attorney.
Yes. Colorado follows a strict liability rule for dog bites, meaning the dog owner is liable if their dog bites someone who was lawfully present and did not provoke the animal. You do not need to prove the dog was dangerous or that the owner knew of any prior aggression. If you were bitten while lawfully on public or private property and did nothing to provoke the attack, the owner is responsible under Colorado law.
Absolutely. Under Colorado’s strict liability law, the dog’s prior behavior does not matter. Even if the dog has never shown aggression and has no history of biting, the owner is still liable if the dog bites you while you are lawfully present and not provoking the animal. The injury is real regardless of the dog’s history, and you have the right to pursue compensation.
In most cases, yes. Homeowner’s insurance policies typically include liability coverage that pays for injuries caused by the policyholder’s dog, whether the bite occurs on their property or elsewhere. Renter’s insurance may also provide coverage if the dog owner rents their home. Some policies exclude certain breeds, but an experienced attorney can investigate the available coverage and pursue all avenues of compensation on your behalf.
Colorado’s statute of limitations for personal injury claims, including dog bites, is generally two years from the date of the injury. If you do not file a lawsuit within that timeframe, you lose your right to pursue compensation. It is important to contact an attorney as soon as possible so that evidence can be preserved, medical records can be gathered, and your claim can be properly developed before the deadline expires.
Many people feel conflicted about pursuing a claim against someone they know, but remember that homeowner’s insurance is designed to cover these situations. You are not taking money out of your friend or neighbor’s pocket—you are using the insurance coverage they carry for exactly this reason. Your medical bills, lost wages, and trauma are real, and the insurance policy is there to provide compensation. Most dog owners understand this once the situation is explained, and they want you to get the care you need.
Many people feel conflicted about pursuing a claim against someone they know, but remember that homeowner’s insurance is designed to cover these situations. You are not taking money out of your friend or neighbor’s pocket—you are using the insurance coverage they carry for exactly this reason. Your medical bills, lost wages, and trauma are real, and the insurance policy is there to provide compensation. Most dog owners understand this once the situation is explained, and they want you to get the care you need.
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