Online tools can’t see the facts that insurers focus on. In South Florida, dog bite disputes often turn on whether the owner had reasonable control, whether the dog was restrained, and how consistent the story is with medical records.
Even two people with similar bites can end up with very different settlement results if:
- the wound required different levels of treatment (stitches, infection treatment, follow-up care)
- photographs and medical notes were taken promptly
- witnesses can confirm what happened (common in busy residential and retail areas)
- the defense argues causation or “provocation”
A calculator is best used as a starting point—not a final answer.


