Most people start with a calculator because it feels objective. The problem is that medical malpractice claims rarely fit clean categories.
Even in the Chicago-west suburbs, insurers typically evaluate cases using the same core questions:
- Was the standard of care breached? (What a reasonably careful provider would have done in similar circumstances.)
- Did that breach cause your specific harm? (Causation is often the hardest part.)
- What damages can be proven with records? (Bills, work impact, treatment course, and documented limitations.)
A calculator can’t read your chart, compare conflicting medical narratives, or understand Illinois-specific procedural realities. The result is often a range that feels precise—but isn’t built on your facts.


