Most people use a calculator to get a quick range. In practice, insurers don’t settle based on a generic formula. They look at (1) how the injury is documented and (2) how clearly it connects to the incident.
For Massapequa Park residents, the “documentation” part often means making sure the medical record matches what happened on scene—especially when symptoms like headaches, dizziness, fogginess, sleep disruption, and memory issues can be mistaken for something else.
A calculator may prompt you to gather the right categories of proof, but your ultimate settlement value depends on the facts your records can support.


