Most online calculators are built around broad assumptions (like injury severity or estimated medical expenses). In practice, insurers and courts care about what can be proven—not just what happened.
In Melbourne, residents often run into the same mismatch: the calculator “range” doesn’t account for whether the medical record clearly connects the negligent act to the harm. A case can look straightforward at first, then change dramatically once records, timelines, and expert review are on the table.
Takeaway: Use calculator results to understand possibilities—not to predict your settlement.


