Many online tools assume clean inputs: a known fault party, straightforward causation, and complete documentation. Dover cases often don’t look that simple—particularly when the incident involves:
- Route-heavy traffic and commuting (intersection timing, lane changes, speeding allegations, and distracted driving)
- Pedestrian activity and seasonal foot traffic (crosswalk visibility, street lighting, and driver awareness)
- Tourist/visitor behavior (unknown local road conditions, unfamiliar navigation, and late-night event travel)
An AI calculator can’t review dashcam footage, police findings, witness statements, or medical records. It also can’t evaluate how insurance carriers in New Hampshire typically test liability and causation before offering a figure.


