In Willoughby, fatal claims frequently turn on collision details and local investigation issues—things an AI tool can’t reliably interpret from a few answers.
For example, even if two families both enter “lost income” or “medical expenses” into an online calculator, the outcome can diverge based on:
- Traffic and causation evidence: skid marks, signal timing, dashcam footage from nearby vehicles, and witness statements from bystanders at the scene.
- Pedestrian and crosswalk dynamics: whether the deceased was within a marked crossing, how visibility/weather affected the incident, and what motorists did in the moments before impact.
- Ohio insurance and dispute posture: insurers often evaluate cases by litigation risk, not by the “average” number an AI produces.
An AI tool may generate a range, but it can’t evaluate whether liability is genuinely provable—or whether defenses are likely to dispute causation, foreseeability, or the extent of losses.


