A calculator can’t see the scene, review your medical records, or evaluate fault under California law. In practice, two riders with similar injuries can end up with different results because the insurer’s view of:
- how the collision happened (witnesses, reports, traffic control, roadway conditions)
- how clearly injuries match the crash timeline
- how documented your treatment was
- whether comparative negligence is argued
…matters as much as the injury diagnosis.
If your crash happened during a commute window—when traffic backs up, drivers change lanes more often, and visibility can be limited—documentation becomes even more important.


