Many calculators ask you to estimate injury severity or future costs using broad categories. That can be misleading—especially when your situation involves:
- Delayed diagnosis where the “miss” is subtle but consequences unfold over months
- Continuity-of-care gaps (for example, when a patient’s records aren’t clearly transferred between providers)
- Medication or follow-up failures that show up later in primary care or specialty visits
- Hospital discharge or monitoring issues that become obvious only after symptoms worsen at home
In North Carolina, insurers typically focus on whether negligence and causation are provable from the chart—not just whether something went wrong. A calculator can’t review the records, compare timelines, or evaluate expert opinions.


