Online tools typically use broad averages. Your settlement value is usually driven by details that don’t fit neatly into a spreadsheet, such as:
- How the injury happened (mechanism matters for linking the incident to neurological findings)
- What your imaging and specialist exams show over time
- Whether care changed early (rehab, assistive devices, home modifications)
- How well your medical records track symptoms from Madison-area treatment visits forward
In other words, the most important “inputs” are often the ones a calculator can’t see—your timeline, your documentation, and how insurers evaluate risk.


