Online tools can be a starting point, but they can’t capture the facts that matter in real negotiations. In Montana, insurers and adjusters typically anchor value to measurable medical records and to how clearly the incident caused the harm.
In Great Falls, we also see a common pattern: incidents tied to everyday movement—walking to appointments, picking up groceries, delivering items, or visiting homes during busy schedules. That can affect what witnesses saw, how quickly you got treatment, and what documentation exists. A “rough number” can miss those details entirely.
A lawyer’s job is to translate your medical timeline and incident facts into the kind of proof that tends to drive settlement discussions.


