In practice, insurers don’t settle based on a generic formula. They evaluate your claim around two questions:
- Who is responsible? (And whether the defense can argue provocation, supervision issues, or disputed facts.)
- What proof supports the injury and the impact? (Treatments, follow-up care, scars, function limits, and related expenses.)
A calculator may generate a range, but Wisconsin settlements tend to turn on the strength of your records—especially for bites that lead to infection concerns, lingering sensitivity, scarring, or missed work.


