Many calculators try to produce a “range” by using averages. That can be helpful for planning conversations, but it can also distort expectations when the real case turns on details like:
- Who had the last clear opportunity to avoid the collision (especially at multi-car intersections or low-visibility conditions)
- Whether the fatal outcome was caused by immediate injury vs. complications
- Insurance coverage structure (which policy limits apply and whether multiple parties are involved)
- Evidence quality, such as vehicle data, incident reports, maintenance records, or witness statements
A calculator can’t evaluate whether liability is likely to be contested—or whether Illinois courts and juries would view the facts the same way.


