A calculator usually works like this: it asks a few questions (injury type, treatment, whether there’s scarring) and then produces a range. That can be useful for planning. However, an online tool can’t see the details that typically drive value in real claims—such as the strength of the evidence in your specific situation, how your treatment was documented, or whether the defense disputes causation.
In New York personal injury cases, insurers may also scrutinize whether your injuries truly align with the incident and whether your medical records support the severity you’re reporting. That’s why an estimate should be treated as an educational starting point—not a promise.


