Most online estimators use simplified assumptions. In Bayonne, two cases with similar-looking injuries can produce different outcomes because:
- the medical record shows different levels of tissue damage or infection risk
- the incident timing affects documentation (and whether injuries worsen later)
- the owner’s knowledge (or lack of knowledge) is supported or challenged
- the claim involves disputed fault (for example, whether a person was simply passing by)
So think of a calculator as a starting range, not what you will necessarily receive.


