In practice, insurers don’t simply multiply a number and send a check. They evaluate:
- What the medical records show about injury type and severity
- Whether treatment stayed consistent after the crash
- How fault is supported by reports, witness accounts, and any video
- How Pennsylvania comparative negligence could affect recovery
A calculator can be helpful for budgeting and asking better questions, but it can’t review your records, interpret credibility, or weigh liability evidence that matters in your specific case.


