A calculator usually estimates settlement value by using inputs like:
- medical treatment costs
- lost wages
- injury severity and duration
- property damage
That’s useful early on—particularly if you want to understand what categories matter. But in Easthampton, two cases with similar injuries can end up very different because the insurer may challenge one or more of the following:
- who had the duty to avoid the crash at that specific intersection or lane position
- whether your injuries are consistent with the mechanism of injury
- whether treatment gaps suggest the symptoms weren’t caused by the crash
- whether Massachusetts comparative fault could reduce recovery
A tool can’t verify those facts. Your evidence can.


