Even when two bites look similar, outcomes can diverge because insurers focus on a few key questions:
- Medical documentation and timing: Prompt treatment in the ER or urgent care tends to strengthen causation.
- Wound complexity: Deep punctures, infection, scarring, and hand/face injuries typically increase damages.
- Credibility of the story: Photos, witness accounts, and consistent timelines carry weight.
- Control of the dog: In Ohio, disputes often center on whether the owner acted reasonably to prevent contact.
That’s why a generic online tool is best used only as a starting point—especially when liability is contested.


