Results

This comment examines breed specific legislation--the unfortunate attempt of legislatures throughout the country to address the valid concern over vicious dog attacks by prohibiting or strictly regulating entire breeds, most often pitbulls. To prevent the tragedies that can occur when a dog attacks a human, legislation must take aim at the heart of the problem, the human owners that allow, through negligence or intentional mistreatment and training, these attacks to occur.

Part I of this article gives an overview of the problem: dog breed discrimination by insurers, as well as a related problem of breed-specific legislation by some states. Part II analyzes the major scientific studies on dog bites, showing that no one has adequately proven that some breeds are more inherently dangerous than others. Part III shows that breed discrimination and breed-specific legislation are opposed by most veterinary and animal groups. Part IV demonstrates that insurers have been ignoring the unique and special role that pets play in millions of American homes. Part V shows how the insurance industry is a highly regulated industry which subjects itself to legislative control where, as here, the public is being harmed by underwriting decisions not driven by actuarial justification.

Part I of this Note examines the growing problem of dog bites and dog-bite related deaths ("canine homicides") through statistical analysis. This part also provides a description and history of pit bull terriers, currently the most frequent target of breed-based laws. Part II examines common criticisms and concerns that accompany each type of law, and provides an overview of additional legislation that has been enacted to reduce the number of dog bites and attacks. Finally, Part III concludes that breed-specific legislation is an ineffective and inefficient means of combating the dog-bite epidemic. This part argues that dangerous-dog laws are a more effective, albeit imperfect, solution to the problem and proposes non-breed-based supplemental legislation that can be enacted to reduce the public threat posed by dangerous dogs.