Online tools usually rely on broad assumptions—severity categories, generic timelines, and a simplified view of damages. In California, insurers and defense teams often scrutinize:
- whether the provider breached the standard of care,
- whether that breach caused your specific injury (not just a bad outcome), and
- whether your future treatment and losses are supported by medical documentation.
So even when a calculator provides a range, it may not reflect how your case will be argued in mediation or litigation.


