Most settlement calculators ask you to plug in variables like injury severity, treatment length, and lost wages. That can be useful for understanding categories of loss.
But a calculator generally can’t:
- Match your situation to the specific liability arguments insurers use in Vermont
- Read your medical records and identify how doctors connect your symptoms to the crash
- Factor in how missing documentation can affect credibility
- Account for policy limits and whether multiple coverages are available
In other words, a tool may estimate “what claims like yours sometimes settle for,” but your settlement depends on what can be proven.


