Most calculators are built for broad assumptions. They may ask for numbers like medical bills, severity, or time lost—then spit out a range.
But in real Bend-area cases, insurers don’t evaluate claims as “injury severity only.” They focus on whether:
- A breach of the standard of care happened (what a reasonably careful provider would have done)
- That breach caused your specific harm (medical causation)
- Damages are documented and supported by records an expert would rely on
So while a calculator can help you understand the types of damages that exist, it usually can’t account for the details that matter most in negotiations—especially causation and the quality of the medical record.


