Most calculators are built around common categories of damages—medical bills, lost income, and pain-and-suffering. For Palmdale riders, that baseline can be useful early on.
However, a calculator generally can’t:
- read your medical imaging and treatment notes to confirm injury severity,
- evaluate how clearly fault is supported by witness accounts and traffic evidence,
- account for how California insurers treat disputed causation and comparative-fault arguments,
- predict how long your recovery will take (which is often the biggest driver of value).
In other words, use a calculator to understand categories—not to predict a guaranteed payout.


