Even when the dog’s owner seems obviously responsible, insurers in Texas commonly focus on questions like:
- How quickly you got medical care (and what the records say)
- Whether the wound required stitches, antibiotics, or follow-up treatment
- Whether the incident was foreseeable (for example, prior complaints or unsafe restraint)
- Whether the injured person’s actions were questioned (such as being on the property, near a gate, or approaching a dog)
In other words, the settlement value typically rises or falls with documentation quality. A small cut with no follow-up treatment generally won’t be valued like a bite that led to infection, scarring, or ongoing care.


