AI tools typically work by taking a few inputs—age, injury type, relationship, and some financial figures—and returning a generalized range. That approach breaks down quickly in real cases because the outcome often turns on details that an online calculator can’t verify, such as:
- What caused the fatal collision or incident (and whether causation is disputed)
- Whether multiple parties share fault (common in roadway and construction-area scenarios)
- How California law treats comparative fault and damages allocation
- What records exist (police reports, medical timelines, employment documentation, witness statements)
- Whether the defense argues an alternative cause
In practice, an insurer doesn’t settle based on averages alone. They look at how strong your proof is and how they expect a judge or jury to view the story when the case is tested.


