Most calculators use simplified inputs—injury severity, age, hospital days, and lost wages—to produce a rough range. That’s useful for a starting conversation, but Oregon settlement negotiations tend to turn on details that calculators can’t “see,” such as:
- Whether causation is documented from the incident forward (symptoms reported promptly, imaging consistent with the mechanism, treatment decisions tied to findings)
- How quickly and consistently you followed medical advice (gaps can be used to argue symptoms were unrelated or avoidable)
- What functional limits are proven, not just described (mobility restrictions, need for assistance, equipment, therapy frequency)
- Whether liability is contested, which can strongly affect bargaining leverage
In practice, an insurer may treat a “range” tool as guesswork and focus instead on the completeness and credibility of your file.


