AI tools are built to generalize. They can’t verify whether a dog had a history of aggression, whether the owner had notice, what the medical records say about severity, or how Utah adjusters evaluate causation when liability is disputed.
In Herriman, common scenarios that complicate “calculator math” include:
- Neighborhood incidents where the dog is in a fenced yard but the attack happens through a gate/door at the moment of contact
- Sidewalk and driveway bites related to delivery drop-offs, walking routes, or routine errands
- Family and visitor injuries where witness accounts vary (and insurers later question timelines)
Even when the bite is undeniable, insurers often focus on whether your injuries are consistent with the incident and whether future effects are medically supported.


