In and around San Juan, fatal incidents frequently involve complex fact patterns: roadway conditions, speeding and lane changes, commercial vehicles, limited visibility at certain times of day, and disputes about what each driver saw. An AI tool may ask for age, income, and incident type, but it can’t:
- verify who had the legal duty at the moment of impact
- interpret conflicting statements from witnesses or responding officers
- evaluate whether a later complication (or pre-existing condition) actually caused death
- factor in Texas insurance practices and litigation risk that affect negotiation
When liability is contested, calculators can produce misleading ranges—sometimes far from what insurers are willing to pay after reviewing evidence.


