Many websites present a settlement range as if the outcome is mostly math: injury severity + bills + a generic multiplier. That can be especially unreliable for cases common in our region—care delivered across multiple settings (urgent care, hospital admissions, imaging centers, outpatient follow-ups), where the timeline matters.
In New York, insurers and defense counsel typically scrutinize:
- Whether the provider’s conduct fell below the accepted standard of care (not just whether something went wrong)
- Whether the alleged mistake caused your specific harm—not a different condition or progression
- Whether the records support the story (notes, orders, imaging reports, medication logs, discharge instructions)
If the tool doesn’t match the structure of your treatment—say, a missed diagnosis after an ER visit that later worsened during outpatient care—the estimate can land far from where negotiations actually begin.


