Online tools are designed to give a broad “range” based on categories like treatment costs and injury severity. That can be useful if you’re trying to understand what information insurers typically focus on.
But a generic calculator can’t account for Garden City specifics such as:
- Suburban scene variation: bites can happen during a neighbor’s gathering, a delivery/errand stop, or a quick encounter in a shared driveway/common area—each scenario changes how liability is argued.
- Witness limitations: many people see the aftermath (or part of the moment) rather than the full sequence, which can affect how confidently fault can be established.
- Insurance posture in NY: carriers may seek recorded statements, prompt paperwork, or quick resolutions before your treatment plan is finalized.
A better approach is to use the calculator to identify what you’ll need to document—then have counsel evaluate how your evidence will be treated in negotiations.


