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Dog caused deaths-the size factor and the size-related sweet spot

The most dangerous dogs are the largest.
I did not say "most aggressive", but most dangerous, since such a dog is no more likely to be aggressive, but for obvious reasons becomes more dangerous in the event that it actually does attack.

The least dangerous dogs are the smallest.
Not that I did not say "least aggressive."

So why do we hear so rarely about deaths caused by huge dogs? Why are there so few of those deaths? Because there are hardly any of those dogs around. Hardly anyone owns huge dogs.
As for little dogs, more people own tiny dogs than any other size. But although they are as likely (or more likely, according to some people) to bite, their bites inflict less damage.

Medium dogs, and Medium-large dogs are in the "sweet spot." Big enough to hurt someone, small enough that there's a lot of them around. That's why most attacks that we hear about are from dogs in this size range. It doesn't mean that dogs at this size are more/less likely than other dogs to be mean/sweet.

Comments

Thanks for the link.
(Although it should be born in mind that the CDC has not collected data on which breeds are responsible for which percentage of deaths, and in the absence of "official" numbers (and claims of mis- identification etc-let's bear in mind that about half of American dogs are mutts-and we all know how difficult it can be to identify what breeds so many dogs are a mix of) there is a certain amount of dispute on the subject.)
 
Well, frankly IMO I'd be more comfortable with statistics directly attributed to the Insurance Information Institute. But I thought the information on that link was interesting. Absolute fact qualitatively and quantitatively? I have no idea.
 
Even in the link, one can see a correlation between dog caused deaths, and the relative popularity (and thus population) of the breeds represented.

However, if insurance companies really wanted to go by statistics, they would charge the highest rates for unaltered males. Most dog-caused deaths are from unneutered males, and in the instances where a female dog kills someone, she is almost always either pregnant, or with puppies. This holds true regardless of breed.
 
In this regulatory environment that has progressed since the early 80s, it's a stretch for any insurer to attempt to factor in a rate indicative of a pet's gender or whether or not it's been neutered.

From an actuarial perspective, actual catastrophic losses paid over a dog bite claim don't amount to a significant amount of money worthy of an individual insurer to raise rates over. In those circumstances, government regulators wouldn't likely accept such a rate factor in a rate review. It would be considered unwarranted.

So it's handled in a simple and conditional fashion. In the event of such a loss, the policyholder is given two choices. Non-renewal or giving up the pet altogether.
 

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