AI calculators typically work from the information you type in: age, relationship, and a few incident details. That approach breaks down when real-world facts are complex—like:
- Multi-vehicle crashes where causation is disputed
- Intersection collisions involving turning, lane changes, or signal compliance
- Late braking / speeding claims where dashcam or traffic camera footage becomes critical
- Winter conditions (freeze-thaw, reduced visibility, road treatment delays) that can change fault analysis
- Shared fault arguments that can affect how defendants frame responsibility in settlement talks
Even strong losses may produce a low or misleading “estimate” if the tool can’t account for evidence strength, unavailable records, or the legal risk of going to trial.


