An AI estimate can’t review your wound photographs, interpret medical notes, or assess how strongly the evidence supports liability. In Maryland, insurers frequently focus on two things:
- Whether the bite is clearly documented and medically supported
- Whether fault will be disputed (for example, whether the dog was properly supervised or whether prior behavior was known)
That means a calculator might give you a range, but the real settlement value usually depends on how your documentation holds up once the claim is challenged.


