Most calculator-style estimates use simplified inputs like injury severity, medical bills, and general categories of harm. That can be a helpful starting point, but it usually won’t capture the real questions insurers and juries focus on in New York:
- Standard of care: What a reasonably careful provider should have done under similar circumstances.
- Causation: Whether the alleged mistake actually caused the harm—not just something that happened around the same time.
- Documentation consistency: Notes, charts, orders, lab trends, imaging reports, and follow-up records.
In other words, two people with similar symptoms can end up in very different valuation ranges depending on what the medical record shows and how experts interpret it.


