Most online tools generate ranges based on the information you type in. That’s useful when you want to sanity-check potential costs like emergency care, follow-up treatment, or missed days of work.
But in practice, adjusters in St. Clair County (where Shiloh is located) and insurers statewide often focus on:
- Whether the bite is supported by contemporaneous medical documentation
- Whether the dog’s owner had notice of prior aggressive behavior (when applicable)
- Whether the defense claims provocation or lack of fault
- The credibility and consistency of witness accounts
- Whether injuries required ongoing care (or changed after the first visit)
So treat any calculator output as “planning math,” not a prediction of what you’ll receive.


