Think of a calculator as a starting point for questions, not a promise of outcome. Many tools use simplified inputs—injury severity, hospital time, age, and wage loss—to produce a rough range.
In real Berkley cases, the settlement discussion often pivots on details that calculators can’t fully model, such as:
- Whether the incident is clearly connected to the neurological findings
- How consistently your symptoms were documented in the weeks following the event
- Whether future care needs (rehab, mobility assistance, home modifications) are supported by treating providers
- Whether liability is disputed—common in serious injury claims involving multiple parties or unclear fault
Instead of treating the result as “close enough,” use it to identify what evidence you’ll likely need and what gaps could be targeted early.


