Most calculators work by using broad inputs: medical bills, injury severity, and a few generalized categories. That can be useful for planning, but it can also create a false sense of certainty.
In practice, insurers and attorneys focus on the evidence. That means questions like:
- Did the provider deviate from the accepted standard of care?
- Is there a causal link between the mistake and the harm?
- Are the records consistent across visits, referrals, and follow-ups?
- How much of the future treatment is supported by medical documentation?
For San Juan residents, this matters even more when care involves referrals to different facilities or specialists—because the settlement story depends on what each record shows and how well the timeline connects.


