Insurance adjusters may move fast, especially when the facts seem straightforward. In practice, however, dog bites can escalate—swelling, infection risk, scarring concerns, and delayed follow-up can change the true cost of your injury.
If you accept an early figure before your treatment plan is clear, you may end up paying out of pocket later. In California, the injured person’s ability to recover can depend heavily on documentation and timing, so it’s important not to let urgency force a decision before the extent of harm is understood.


