Most online tools generate a range based on averages. Real settlements depend on evidence that’s harder to “plug in,” such as:
- Whether the other driver actually saw you in time (common dispute in turning/merge crashes)
- How Georgia fault is argued when there’s conflicting testimony or unclear lane positioning
- Whether your medical records match the timeline—for example, symptoms that worsen after the first visit
In other words, two riders with similar injuries can end up with very different outcomes depending on what’s documented and what the insurer can dispute.


