Many people use a calculator to get a “ballpark” based on injuries, treatment, and lost wages. That can be useful—especially early—because it helps you understand what information you’ll need.
However, Minnesota settlement discussions are rarely driven by math alone. Insurers and defense teams typically focus on:
- whether the truck driver’s conduct (or the trucking company’s practices) caused the crash
- whether your injuries are documented and medically consistent with the collision
- what portion of fault can be attributed to you under Minnesota’s comparative fault framework
A calculator can’t see the police report, trucking records, or your medical timeline. It also can’t predict how strongly the other side disputes causation.


