Online tools usually ask for broad inputs—injury severity, time frame, and medical bills. Those inputs can be relevant, but they don’t capture the parts insurers focus on most:
- Whether the treatment fell below the applicable standard of care for the situation
- Whether the provider’s conduct caused the specific harm (not just a bad outcome)
- How well the timeline is documented—especially when care involves multiple visits, referrals, and follow-up instructions
In Sandy, it’s common for patients to see one provider, then be referred to another facility or specialist. That care “chain” is exactly where causation arguments are won or lost. A generic calculator can’t evaluate whether the missing test, delayed follow-up, or documentation gap is tied to your injury.


