An AI tool can only work with what you type in. In real Marshall cases, insurers focus heavily on:
- Whether the bite was foreseeable (for example, prior complaints about an animal’s behavior)
- Whether you were lawfully present where the incident occurred (sidewalks, yard boundaries, rental property, common areas)
- How the injury was documented immediately after the bite
- Whether treatment records match the severity (depth, infection, follow-up care)
If your calculator inputs are incomplete—common when you’re in shock or still getting wound care—you can end up with a number that doesn’t reflect what a Minnesota adjuster will later argue.
Bottom line: treat AI as a starting point for understanding categories of damages, not as a prediction of what you’ll receive.


