Online tools can be a starting point, but San Marino claims often involve details that a calculator can’t capture—like how quickly you were able to get treatment, whether the wound required follow-up care, and whether the dog’s confinement and control were appropriate for the setting.
In California, insurers frequently focus on two things:
- Causation: Does the medical record clearly tie the injury to the bite?
- Fault: Was the owner exercising reasonable control, and was the contact foreseeable?
That means your outcome depends on the story your records tell, not just the type of wound.


