A calculator is best viewed as a planning tool, not an offer prediction. In practice, your settlement value is shaped by:
- How clearly the crash facts can be proven (accident report, photos, witness statements, roadway details)
- Whether your medical records tell a consistent story of injury and treatment
- The strength of the fault analysis—who the insurer believes caused the crash
- Whether your losses are documented (medical bills, time off work, ongoing limitations)
If you’re using an online estimate while you’re still treating, be cautious. In Farmington, as in the rest of Utah, insurers often wait until injuries stabilize before valuing certain categories of damages.


