Instead of focusing on one number, think in categories. Insurers typically evaluate:
- Medical proof: ER/urgent care notes, wound treatment, imaging if needed, follow-up visits, and prescriptions.
- Severity and visibility: bites that cause scarring, restricted movement, or infections tend to carry higher value.
- Causation: clear documentation tying the injury to the bite (not just “it happened around then”).
- Liability strength: whether the owner had reasonable control and whether the dog was properly restrained.
- Work and daily-life impact: missed shifts, missed appointments, and limitations that affect your ability to function.
For many Glen Carbon residents, a key practical issue is that bites often happen during normal commutes or errands—meaning witness details can fade quickly and video evidence may be limited. Acting promptly helps preserve what matters.


