In New Jersey, settlement discussions often turn on whether the injury, the medical treatment, and the claimed losses line up in a credible, documented way. A tool that asks for a few facts (age, hospitalization length, impairment level) can’t properly reflect:
- how quickly symptoms were reported after the incident
- whether imaging and neurological findings support the causation story
- how pre-existing conditions or prior complaints are handled in the medical records
- what future care is realistically required (and whether it’s already underway)
In other words, a calculator may estimate categories—but it can’t build the case record that affects leverage in negotiations.


