Most AI tools work by taking limited facts and applying assumptions. That’s not the same as evaluating a Santa Barbara case where:
- Fault may be disputed (for example, multiple drivers, comparative fault arguments, or unclear causation).
- Injury-to-death timelines matter (California claims can hinge on medical records and expert review).
- Insurance investigations can reshape the story after the initial incident report.
- Local evidence can be time-sensitive, such as traffic-camera access, witness availability, and documentation from responding agencies.
A calculator can’t review the actual police report, medical chronology, employment records, device data, or expert analysis. It also can’t anticipate how the defense will frame the incident—something that often determines whether negotiations start higher, stall, or shift toward litigation.


