Instead of relying on a generic estimate, focus on the questions insurers ask first:
- Was the bite tied to the dog’s owner’s control or restraint?
- Was the incident in a place where you had a right to be?
- Are the injuries documented quickly and consistently?
- Can you connect medical treatment to the bite (not just “I got bitten”)?
When those points are supported, settlement discussions move faster and the numbers tend to reflect the real impact. When they aren’t, adjusters often push for lower figures or try to shift blame.


