Dog Bite Settlement Calculator

The Insurance Information Institute reports the average homeowners insurance dog bite claim was $58,545 in 2024 (up from $50,425 in 2023). Severe attacks involving facial injuries, child victims, or permanent scarring frequently exceed $250,000. Most claims are paid by the dog owner's homeowners or renters insurance, capped at the policy liability limit (typically $100,000–$300,000).

Strict liability states (CA, FL, NJ, MA, IL, MI + 30 others) hold dog owners liable for any bite, regardless of prior history. One-bite rule states (NY, TX, VA, NC + others) require proof the owner knew the dog was dangerous. Strict liability cases settle for 1.5–2x more on average because liability is presumed. Even in one-bite states, prior aggressive behavior, breed history, or warnings generally satisfy the "knowledge" requirement.

Scarring substantially increases settlement value. Cosmetic scars on visible areas (face, hands, neck) typically add $25,000–$100,000 in non-economic damages. Disfigurement requiring reconstructive surgery can add $100,000–$500,000. Children's facial scars settle for the highest amounts because of lifelong impact. Document scarring with professional photos at multiple intervals.

Sue directly if the owner has no homeowners insurance, if damages exceed policy limits, or if the case involves egregious conduct (intentional release, prior known bite history). Personal injury lawyers typically work on contingency (33–40%). Most cases resolve via insurance settlement without litigation. If the owner is a renter, their renter's insurance may apply.