A settlement calculator can be a starting point, but it usually can’t account for the issues that frequently drive outcomes in our area, such as:
- Intersection disputes (turning, failing to yield, lane choices)
- Visibility factors during spring rain, fall glare, and winter darkness
- Shared-fault arguments insurers raise when a rider’s speed, lane position, or braking is questioned
- Documentation gaps that occur when symptoms worsen after the first ER visit
In Michigan, insurers often try to anchor the claim to early records. If your medical treatment, imaging, or symptom timeline doesn’t clearly connect to the crash, settlement values can shrink—even when injuries are real.


