AI tools can be helpful for planning, but they’re not a replacement for evidence review. In Harper Woods, adjusters commonly focus on whether the incident can be proven clearly and whether the medical record matches the story.
A calculator may not account for:
- Michigan’s proof-focused injury documentation (treatment notes, wound descriptions, and follow-up records)
- whether the dog owner’s version of events is consistent with witness accounts
- whether liability is disputed (for example, whether the dog was restrained, warned, or previously known to be aggressive)
- how quickly you were treated and whether complications developed
In other words: the “range” from a calculator is only as strong as the facts you enter—and the facts in real dog bite claims are verified through records.


