Online tools can’t account for the details that change value in real claims—like whether the bite happened in a crowded downtown area where witnesses are common, on a residential street with limited visibility, or at a rental where multiple parties may share responsibility.
In practice, settlement discussions usually turn on:
- Medical documentation (ER notes, follow-ups, imaging, treatment plan)
- Causation (how clearly the injury ties to the bite)
- Liability evidence (leash/control, prior knowledge, supervision)
- Credibility (consistent accounts across medical records and incident reports)
A calculator might give you a starting range, but Michigan insurers generally want evidence—not estimates.


