Many online calculators treat dog bite value like a math problem. That’s not how California claims usually play out.
In the real world, insurers focus on:
- Medical documentation (ER notes, follow-ups, and whether specialists got involved)
- Causation (clear evidence tying the bite to the injuries and treatment)
- Liability defenses (such as provocation, trespass arguments, or disputed facts)
- Severity and permanence (scarring risk, hand/face involvement, range-of-motion limits)
Even when two people have “similar” bites, outcomes can diverge if one has consistent treatment records and the other has gaps, delayed care, or uncertainty about how the injury occurred.


