Most calculators work by taking inputs—such as medical expenses, lost wages, and injury severity—and producing an estimated range. That can be useful when you’re trying to understand what evidence matters and what questions to ask next.
But settlement value is not determined by a formula alone. In Ohio, insurers and attorneys focus on:
- Causation: what medical records show about your injuries and whether they connect to the crash
- Fault and comparative negligence: how much responsibility is assigned to each party
- Documentation: how consistent and complete your treatment records are
A tool can’t review your hospital imaging, interpret treatment notes, or assess whether the other driver’s story matches the physical evidence.


