Online tools typically use broad assumptions, but local disputes often come down to details like:
- How busy the area was at the time (parks, neighborhoods, sidewalks, and busy retail corridors)
- Whether the dog was properly controlled when the bite occurred
- Whether there were warnings posted or other facts that affect how fault is argued
- Whether the injury required ongoing care (infection treatment, follow-ups, scar management, limited use of the affected hand/arm, etc.)
Even when the wound looks similar on two people, insurers evaluate how well the injury was documented and whether the timeline matches the medical findings.


