Unlike a medical bill or a repair quote, a settlement number is an evidence-based negotiation outcome. In practice, insurers and injury attorneys in Connecticut tend to value claims using:
- Documented medical impact (what was diagnosed, how severe it is, and what treatments were actually needed)
- Work and daily-life disruption (missed shifts, reduced hours, inability to perform job duties)
- Crash proof (who had the duty to avoid the collision and what evidence supports that)
- Timing and consistency (how quickly symptoms were treated and whether records line up)
A calculator can help you think about categories of loss, but it can’t “see” the evidence that matters most in New Haven—like whether the crash report and medical records tell the same story.


