A calculator can help you think in categories (medical costs, lost income, and non-economic harm). But insurers in Michigan don’t settle based on math alone. They look at:
- How serious the wound was (depth, need for stitches, infection, scarring risk)
- Whether treatment was timely (especially for punctures and bites to hands/face)
- How consistent your account is compared to medical records and any witness statements
- Whether the dog owner’s control measures were reasonable under the circumstances
Because your settlement depends on evidence, the most useful “estimate” is the one tied to your timeline and proof—not just the bite itself.


