A motorcycle settlement is generally based on two buckets:
- Economic losses: medical expenses, therapy, prescription costs, rehabilitation, mileage/transportation to treatment, and wage loss (including reduced earning capacity).
- Non-economic losses: pain, suffering, loss of enjoyment, emotional impact, and limitations that affect everyday life.
In practice, the insurer’s offer often reflects how strongly your case can be proven with documentation—especially when fault is disputed. In Michigan, you may also hear about insurance coverage rules early in the process, and those rules can change what’s available for recovery.
Key point: a calculator can’t know the quality of the medical record, whether the other driver is credible, or how Michigan attorneys would frame causation. What a calculator can do is help you understand what categories of losses matter—then your evidence determines the real range.


