Two people can have “similar” bites and end up with very different outcomes. In Salina, adjusters frequently scrutinize details connected to everyday local situations—like bites occurring near entryways, in residential driveways, or in neighborhoods where neighbors may not realize a dog problem exists.
What can move the number up or down:
- Timing of medical care (delays can invite causation arguments)
- Where the injury is (face, hands, or areas requiring scar management often carry higher stakes)
- Whether the wound required more than basic treatment (follow-ups, infection treatment, or specialty care)
- Whether the owner had notice (prior complaints, reports, or history of escape/poor restraint)
- Consistency of the incident story (small discrepancies can become a defense lever)
Instead of treating a calculator as an answer, use it as a starting point for organizing your questions and collecting the proof that actually supports value.


