Most calculators work by asking for broad inputs (like injury severity, treatment length, or “pain levels”). They generally cannot read the medical record, interpret causation, or evaluate the credibility of the experts who explain what should have happened.
In practice, insurers look for proof of three linked points:
- Breach: the provider deviated from the standard of care.
- Causation: the breach caused the harm you’re claiming.
- Damages: your losses are measurable and supported by documentation.
If any of those pieces are missing—or if the defense can offer an alternate explanation—settlement value can drop sharply, even when injuries are significant.


