In practice, insurers don’t settle based on a formula—they settle based on proof. The same type of bite can produce very different results depending on:
- Medical documentation (ER notes, follow-up care, prescriptions, infection concerns)
- Injury severity (stitches vs. more serious tissue damage or scarring risk)
- Consistency of accounts (what you told the owner/insurance vs. what medical records show)
- Liability strength (whether the dog was controlled, leashed, or known to be risky)
Online tools may estimate “typical ranges,” but your claim value in North Augusta will ultimately reflect the evidence you can support.


