It's no surprise that many people get dogs as their "security systems," hoping to prevent losses. Yet many dogs do just the opposite - costing owners and insurance companies megabucks in medical bills and attorney fees.

Dogs sometimes fail to differentiate intruders from family members, friends, neighbors and mail carriers, causing severe injuries or in some cases death.

"Strict liability" states such as California give more power to the victims, holding the owner responsible for any damage the dog causes, regardless of the dog's past history. In common-law states, the plaintiff must prove the dog owner knew his or her dog was dangerous - such as from previous attacks - but failed to take precautions.

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