AI tools can be useful for broad planning, but they often assume a clean liability picture and complete medical documentation.
In real Dover cases, insurers may focus on issues such as:
- Whether the dog owner had notice of prior aggressive behavior (or whether that notice can be proven)
- Whether the bite happened in a typical public/yard setting vs. a circumstance that raises disputed “foreseeability” questions
- How the wound was described and treated right after the incident (minor-looking bites can become serious)
- Whether follow-up care supports your claimed severity
That’s why “range” estimates shouldn’t be treated as a number you’ll automatically receive—especially if you’re being asked to respond quickly to an early offer.


