AI tools can be a quick starting point, but they usually assume the same facts for everyone. In real truck cases, the value hinges on details that an online calculator can’t confirm—especially in New York, where insurers often focus on:
- whether the crash actually caused your symptoms (not just that you were hurt sometime after)
- how quickly you sought care and whether treatment records show a consistent progression
- whether your medical bills were “reasonable and necessary” under the circumstances
- what the trucking company can prove about maintenance, driver logs, and compliance
In other words, a generic range can be harmless as a rough estimate—but risky if you treat it like a settlement prediction.


