When a bite happens in a routine setting—walking near a neighborhood street, entering a yard where a dog is usually contained, or interacting with an animal at a gathering—insurance companies may still try to narrow the story. In practice, they look for consistency between:
- Your medical records (wound description, diagnoses, treatment timeline)
- Photos taken soon after the bite
- Any witness accounts (especially if the dog’s behavior was observed)
- Whether the owner had notice of aggressive tendencies
An AI tool can’t verify those details. Even if it produces a range, that range may not match what a Burlington adjuster will accept once they review the paperwork.


