In a suburban community like San Anselmo, liability disputes frequently come down to details that are easy to misremember after an adrenaline-filled incident:
- Where the bite occurred (front yard, driveway, public sidewalk, or near a gathering)
- Whether the dog was under control (leash, supervision, gates/doors secured)
- What the injured person was doing at the time (visitor, resident, delivery, pedestrian passing by)
- Whether warnings existed (signs, prior notice, visible hazards)
Insurers commonly focus on whether the owner acted reasonably and whether the dog was effectively restrained. If the story you tell later doesn’t align with medical records, photographs, or witness accounts, you may lose leverage.


