Online tools typically use broad inputs—like estimated medical costs, time to recover, and wage loss—to produce a rough range. In Massachusetts, however, the real dispute often isn’t math; it’s proof:
- Causation: insurers challenge whether your symptoms were caused by the crash or by something else.
- Severity and permanence: the value changes when injuries are documented as resolving versus lingering.
- Comparative fault: if the defense argues you contributed to the crash, your recovery can be reduced.
A calculator can help you organize your losses, but it can’t replace the evidence review that determines whether those losses are compensable.


