Most online calculators try to guess value by combining categories—medical treatment, rehab, assistive devices, and (sometimes) lost earning capacity. In practice, the output is only a rough starting point.
In South Florida cases, insurers often focus hard on whether the record supports:
- the severity and permanence of neurological impairment
- causation (that the crash/incident—not something else—caused the spinal condition)
- the projected course of treatment and lifetime care
So while a calculator might give you a range, it typically doesn’t know what your MRI showed, what your neurologist documented, how your function changed, or what a life-care plan recommends.


