In a typical Dalton scenario, the dog bite may happen at a residence, apartment complex, or while someone is moving through a neighborhood quickly—walking to a car, delivering items, or visiting a friend. Insurance companies commonly focus on two things early:
- Whether medical care was prompt (and consistent with the injury)
- Whether the incident story stays consistent from the first report through follow-up visits
Even if the bite seems obvious, delays in treatment, missing records, or vague descriptions can give the defense room to argue the injury was minor or unrelated to the bite.


