Instead of relying on an online estimate, it’s more useful to think in terms of what adjusters and attorneys look for in California:
- Medical documentation: ER/urgent care notes, wound measurements, follow-up visits, and any scarring or infection treatment.
- Liability clarity: whether the dog was controlled, whether the bite occurred on private property or a shared/public area, and whether warning signs or prior issues were known.
- Causation: a clear timeline connecting the incident to symptoms and treatment.
- Proof of losses: missed work tied to appointments and recovery, prescriptions, therapy, and related expenses.
When the facts are well documented, a claim can move toward settlement. When they’re disputed, negotiations usually slow—especially if the insurer attempts to shift blame.


