Many online tools produce ranges based on simplified inputs (injury type, severity, recovery duration). That can be useful for orientation, but it rarely reflects the way insurers and defense counsel evaluate cases in New York.
In practice, adjusters focus on:
- Whether the record supports a breach of the standard of care (not just that something went wrong)
- Whether causation is provable through medical documentation and expert analysis
- Whether claimed losses are supported with receipts and timelines
- How long symptoms actually lasted and whether future care was medically recommended
For Spring Valley families, the gap can be especially noticeable when injuries involve long recovery periods, ongoing therapy, or complications that evolve after discharge.


