You are entitled to recover your medical expenses and any other financial expenses related to the dog bite. In addition, if you have to miss time from work, you’re entitled to collect for lost wages.
When there is a permanent injury, like nerve damage, you may be entitled to a lot more than the dog owner’s policy limit. You are entitled to collect for pain and suffering, emotional trauma, and if the injury prevents you from doing things you once enjoyed, you’re entitled to collect for that as well.