Many online tools ask for numbers like medical expenses and estimate a possible settlement range. That’s helpful for planning, but Washington claims aren’t decided by math alone.
In practice, insurers look at:
- How quickly you got treatment (especially if the bite broke the skin)
- Whether the medical records match the incident you describe
- Whether liability is likely under Washington law and the specific facts
- Whether your injuries are documented as temporary or lasting
The biggest limitation of a calculator is that it can’t see the details that Kent adjusters care about—like photos taken close in time, witness names from the scene, and whether the record supports infection, scarring risk, or limited function.


