AI tools typically work from general inputs—age, relationship, medical bills, and the type of incident. The problem is that Haverstraw cases often turn on details that an online form can’t properly capture, such as:
- What exactly caused the fatal outcome (not just what happened first)
- Whether fault is clearly supported by reports, witness accounts, or vehicle/scene data
- How quickly records became available after the incident
- Whether other parties share responsibility, such as contractors, property owners, or employers
In practice, insurance adjusters in New York don’t negotiate based on a calculator’s “average.” They evaluate how strongly a claim can be proven if it’s challenged.


