Many AI tools are built to approximate compensation using broad assumptions (age, relationship, incident type, and some financial inputs). That’s a starting point—but it often diverges from how claims unfold locally because:
- Ohio fault questions can be heavily contested. Even when the incident feels obvious, insurers scrutinize speed, lane positioning, visibility, maintenance history, and witness credibility.
- Causation is frequently disputed. In fatal injury cases, the defense may argue the death resulted from complications, pre-existing conditions, or intervening events.
- Insurance posture matters more than averages. Adjusters evaluate litigation risk, policy limits, and what they think a jury would do—factors an AI model can’t truly replicate.
If you’re trying to estimate “what the settlement could be,” the most useful approach is to treat an AI calculator as a question generator, not a prediction.


