Many online tools rely on broad assumptions (severity at the hospital, time missed from work, and generic treatment patterns). But in real cases—especially those involving commuting, shift work, and physically demanding jobs—settlement value can hinge on details like:
- whether your symptoms were recorded immediately after the incident
- how quickly you obtained follow-up care after an ER visit
- whether your doctor connected ongoing symptoms to the accident mechanism
- whether work restrictions were documented (not just discussed)
If your recovery required cognitive rest, therapy, medication adjustments, or accommodations, a calculator may not fully capture those expenses and losses.


