Think of a calculator as a planning tool, not a promise. It typically uses categories like:
- medical expenses and future treatment
- lost wages
- pain and suffering (non-economic damages)
- other documented losses
What it can’t accurately do is:
- interpret Illinois fault arguments when liability is disputed
- account for gaps in treatment or unclear causation
- weigh credibility issues (statements, reports, witnesses)
- predict how an insurer will respond once they review your records
In practice, two riders can enter the same inputs and get different outcomes because the insurer’s position changes when the medical timeline and crash evidence line up—or don’t.


