In practice, settlement value is not based on a single formula. It tends to turn on a few core inputs that calculators approximate—then insurers adjust based on the evidence.
For Poquoson riders, the biggest drivers are commonly:
- Injury documentation and treatment timing (especially if symptoms intensified over days)
- Crash reconstruction facts supported by photos, diagrams, and witness accounts
- Liability themes that show who failed to yield, maintain control, or react appropriately
- Work and daily-life impact (including time off and whether you can resume normal duties)
A calculator may use broad assumptions for these categories. Your case’s outcome usually hinges on whether your records support the same story.


