Most estimators use simplified assumptions. In Minot, the facts often hinge on details that don’t fit neatly into a form—such as whether the incident happened during a winter outing, near a multi-family property, at a park, or while a delivery or visitor was passing through.
Insurance companies also look closely at:
- How quickly you got medical care and whether the treatment matches the bite description
- Whether the wound required stitches, follow-up visits, or specialized care
- The consistency of your account across photos, medical notes, and any statements made to insurers
- Whether the owner had reason to know the dog could be aggressive
That means two people can enter similar answers into a calculator and receive very different ranges—because the evidence quality and injury documentation are never identical.


