Most calculators online are built around broad assumptions—injury severity, rough medical bills, and generic categories of harm. They can’t see the documents and disputes that typically decide whether a case settles in Michigan.
In practice, insurers and defense teams focus on questions like:
- Was there a deviation from the standard of care? (Not just “something went wrong.”)
- Did that deviation cause your specific harm? (Causation is often contested.)
- What part of your treatment was necessary, and what wasn’t?
- Are there gaps in records or conflicting timelines?
If the estimate you’re using doesn’t match how your claim will be evaluated, it can steer you in the wrong direction.


