Online tools can be a starting point, but they can’t account for the realities that affect outcomes here—like how quickly you were seen, what documentation exists, and whether the facts can be proven if the owner disputes responsibility.
In practice, insurers focus on a few core questions:
- How severe the injury is (and whether it required follow-up care)
- Whether the medical record matches the incident timeline
- Who had control of the dog at the time
- Whether the owner knew or should have known about dangerous tendencies
- What Michigan-specific defenses may be raised (including claims about provocation or circumstances)
If your claim depends on photos, witness accounts, or proof of prior behavior, the case value can swing significantly—up or down—based on evidence quality.


