AI tools are built to respond to averages. Your situation isn’t average—especially when the incident happens in a real neighborhood setting (or during busy travel between home, school, and work).
Common reasons AI ranges can come in too low or too high include:
- Unclear ownership/control evidence: In residential areas, the dog may be on-site, but control and supervision details matter.
- Documentation gaps: If photos, witness details, or early medical notes aren’t consistent, insurers may dispute severity.
- Michigan settlement timing: Adjusters often wait for treatment records to be complete before negotiating seriously.
- Pre-existing conditions or competing causes: Even when a bite is the trigger, defenses may claim the injuries were caused by something else.
Instead of treating a calculator output like a payout promise, use it to understand categories of damages—and then build the proof to support them.


