Online tools can help you think in categories—medical bills, time missed, and non-economic harm. But real settlements are driven by facts that calculators can’t see, including:
- how severe the wound was and what treatment was required
- whether the dog was properly controlled at the time of the incident
- how clearly the timeline matches your medical records
- whether the other side disputes causation or fault
In practice, insurers often focus less on “what you paid” and more on what your documentation can prove.


