Online tools can’t see your medical records, your photos, or the incident timeline. Insurers typically focus on:
- Medical documentation (emergency notes, treatment plan, follow-ups)
- Causation (how clearly the bite caused the injuries)
- Liability evidence (leash/control, warnings, witnesses)
- Impact (missed work, ongoing symptoms, scarring concerns)
A calculator may provide a starting range. A case review explains where your facts land—and what evidence is missing that could affect negotiations.


