In a denser, walkable setting like White Plains, bites frequently occur in situations where fault can become a gray area—such as:
- Apartment and rental living: disputes over who had control of the dog (tenant vs. landlord/property manager) and whether supervision/restraint was adequate.
- Busy pedestrian areas: insurers may argue the injured person “suddenly approached” or that the dog was not reasonably foreseeable to cause harm.
- Deliveries and visitors: a bite during a drop-off, package handoff, or entry to a building can trigger arguments about whether the person was authorized to be there and whether warnings were posted.
Insurers also commonly push for fast recorded statements and early paperwork. In New York, what you say (and what you don’t say) can later be used to challenge the timeline, severity, or causation.


