Most calculators build a “generic” range using assumptions like injury severity and medical bills. In real California cases, insurers focus heavily on whether the evidence shows:
- A breach of the standard of care (what a reasonably careful provider would have done)
- Causation (that the breach actually caused your specific harm)
- Documented damages (what you lost, what you still need, and what limits you now)
For King City residents, the “damages” side often includes practical costs tied to daily life—such as time lost traveling for follow-up care, missed shifts, or reduced ability to perform job duties. A calculator that only counts bills without capturing those real-world impacts can understate (or sometimes overstate) value.


