Automated tools look at a few inputs—age, relationship, and rough financial assumptions—to generate a range. In Pontiac, that can miss the issues that actually move settlements, such as:
- Conflicting traffic evidence (dashcam/video gaps, unclear witness recollections, incomplete incident narratives)
- Speed and lane position disputes on busy corridors
- Intersection and turning-signal issues where responsibility is contested
- Driver impairment questions (alcohol/drugs) that require careful documentation
- Vehicle and maintenance concerns when a defect or failure is alleged
If liability is disputed, a calculator’s “average” does not reflect the risk an insurance company is trying to manage.


