A calculator typically provides an educational range based on assumptions (injury severity, treatment duration, age, wage loss, and other factors). That can help you understand what categories often matter.
But calculators don’t see the details that Minnesota insurers scrutinize, such as:
- whether the medical timeline matches the incident
- whether causation is supported by imaging, neurologic findings, and provider notes
- whether the claim includes future needs (therapy, mobility support, home modifications)
- whether comparative-fault questions arise from the specific circumstances
So treat an online tool like a compass, not a receipt.


