AI-based tools typically work by taking a few inputs (injury severity, treatment, whether there’s scarring) and translating them into a generic range. That can be helpful for education.
However, Chandler claims often turn on details that a calculator can’t truly verify, such as:
- How promptly treatment was documented after the bite (and whether records show infection control and wound care)
- Whether the incident matches the medical timeline—a mismatch can cause insurers to question causation
- Whether the dog owner’s knowledge is supported (for example, prior warnings or patterns of behavior)
- The credibility of statements from the injured person, witnesses, and any animal control reporting
When those factors are unclear, insurers tend to push toward lower numbers—sometimes quickly.


