Online tools can be a starting point, but they can’t account for the details that matter most in real negotiations—details that are especially important when the incident involves:
- Busy pedestrian areas (where witnesses may have conflicting observations)
- Shared spaces (apartment courtyards, walkways, and common areas)
- Multi-party responsibility (property owners/managers vs. dog owners)
- Fast insurance pressure to give a statement or sign paperwork
In practice, settlement discussions tend to move based on evidence and documentation, not a formula. A bite that looks similar on paper can lead to very different outcomes depending on infection risk, scarring concerns, nerve involvement, and how consistently treatment is recorded.


