An AI or online calculator is usually built from generalized patterns. Your case, however, turns on CA-specific proof questions and the story your documents can support.
In practice, insurers in California commonly test:
- Whether the dog owner had notice of aggressive tendencies (or whether the behavior was foreseeable)
- Whether the circumstances fit a claim theory (at home, at a neighbor’s property, during a delivery/errand, etc.)
- How your medical records describe the wound (depth, infection risk, treatment timeline)
- Whether follow-up care was necessary
If the calculator assumes “simple” treatment but your visit notes reflect deeper tissue damage, infection, or ongoing symptoms, your real settlement range may be higher.


