Most online tools can’t account for the realities that change outcomes in real cases. A calculator may assume a “typical” recovery timeline, a “typical” level of medical documentation, and a “typical” impact on earnings. In practice, Canby claims are different because the insurer’s questions usually focus on:
- Whether your symptoms were documented early (and consistently) after the injury
- Whether the mechanism of injury matches the pattern of symptoms you reported
- How your day-to-day functioning changed—including driving, work attendance, and cognitive tasks
- Whether Oregon comparative fault is likely to be raised (and how it could reduce recovery)
A calculator can help you form a rough budget conversation with your family, but it should not be treated like a promise. Your settlement depends on how the evidence supports causation and damages.


