Insurance companies use proprietary algorithms to calculate dog bite settlements — and those systems are designed to minimize what they pay. Knowing how they work is the foundation of beating them.
After a dog bite, you’re almost certainly dealing with a homeowner’s or renter’s insurance company on the other side. Carriers use sophisticated evaluation software — Colossus, Claims IQ, and proprietary systems — that input your medical bills, apply multipliers, and produce a settlement figure. Without an attorney who understands these systems, you are negotiating against a machine you can’t see.
Typical initial offer versus fair value
Algorithm most major insurers use
Initial offer multiplied in one recent case
Understanding your legal position is the first step to maximum recovery.
Colossus and similar software input ‘medical specials’ (documented bills), apply severity codes, and deduct for liability weaknesses. Understanding each input lets your attorney strategically increase your calculated value.
Adjusters are trained to make fast, low initial offers before you complete treatment. These offers lock in a settlement that won’t cover future medical needs. Every single initial offer we’ve ever seen has been inadequate.
Insurance companies request recorded statements to create contradictions they use to reduce your claim. You are not legally required to provide one. Decline politely and call us immediately.
We build comprehensive demand packages that maximize insurer valuation: all medical records, future care expert projections, lost income documentation, and detailed pain and suffering narratives with comparable verdicts.
We investigate every available coverage layer before negotiating — homeowner’s primary policy, umbrella policies, renter’s insurance. Knowing the full coverage landscape shapes every negotiation decision.
In severe cases, we make policy limit demands that create bad faith exposure if the insurer unreasonably refuses to settle within limits. This technique can dramatically increase pressure for fair settlement.
Contact us today for a free, no-obligation consultation. We’re available 24/7.
Don’t wait. California has a statute of limitations on personal injury claims. Contact us now for a free, no-obligation consultation.
213) 529-3229
info@dogbite.la
Los Angeles, CA
24/7 Availability
(213) 555-1234
info@dogbite.la
Los Angeles, CA
24/7 Availability
