Many online tools present a “range” based on inputs like injury severity, time in the hospital, and income. That can be useful for planning, especially when you’re trying to understand what categories of damages might apply.
But a calculator can’t see what an insurer sees: the full medical timeline, causation evidence, and the risk of disputed fault. In Ohio, claims often hinge on proof of negligence and causation—meaning the story must be consistent from the incident through diagnosis, treatment, and lasting functional impact.
Bottom line: treat any calculator as a starting point for questions—not a prediction of what you’ll recover.


