Most AI or online calculators work like a simplified model: plug in basic facts, receive a range, and move on. That can be misleading when the case turns on issues that are common in suburban traffic and pedestrian-heavy areas—for example:
- Fault disputes (e.g., sudden lane changes, turning collisions, or unclear right-of-way)
- Speed and visibility evidence (dashcam availability, traffic light timing, weather/lighting conditions)
- Multiple parties involved (drivers, employers, property owners, or contractors)
- Delayed complications after an initial injury
In these situations, the “math” part isn’t the problem. The problem is that calculators can’t review police findings, medical causation, witness credibility, or insurance coverage terms. They also can’t account for how Illinois juries and adjusters typically evaluate contested facts.


