In dog bite cases, the fight is frequently not about whether you were injured—it’s about how the incident is characterized. Insurance may argue:
- the dog was under control but reacted unexpectedly
- you approached in a way the owner claims was unsafe
- the incident happened in an area the owner believes you shouldn’t have entered
- prior behavior or restraint issues weren’t known
Those arguments can change the outcome even when two people have similar-looking wounds. That’s why, instead of focusing only on a rough estimate, it’s more useful to understand what evidence Danville adjusters tend to rely on when they evaluate responsibility.


