Most online tools work like a “rough budgeting” exercise. You plug in broad details—injury severity, hospital time, age, and lost income—and you get an estimated range.
That can be useful if you’re asking questions like:
- “What categories of damages should I expect?”
- “What evidence will likely matter most?”
- “How do future care costs change the picture?”
But calculators struggle with the realities that show up in Franklin claims:
- Delayed or complicated diagnoses after a crash or fall
- Ongoing therapy and device needs that evolve over time
- Causation disputes (whether symptoms were caused by the incident or something pre-existing)
- Insurance pressure to settle early before the full treatment plan is clear
In short: use a calculator to guide your questions—not to decide your settlement strategy.


