A calculator is a forecasting tool. It typically uses inputs like:
- what injuries you reported,
- how long treatment lasted,
- whether you missed work,
- and other loss categories.
But insurers and injury attorneys know the truth: there’s no “one number” that fits every crash. Two riders with similar injuries can end up with very different outcomes if one accident has stronger proof (photos, witness statements, clear fault indicators) or if the injury course is better documented.
So treat an estimate as a starting point—then build a record that supports the value.


