Think of a calculator as a worksheet, not a verdict. It typically estimates value based on inputs like:
- Medical expenses (bills to date)
- Treatment duration and expected future care
- Lost wages and reduced earning capacity
- Out-of-pocket costs (transportation, medications, records)
- Non-economic losses (pain, limitations in daily life)
The helpful part is that it prompts you to gather documentation early. The limiting part is that it can’t reliably account for the real dispute that often drives outcomes in commercial crashes: causation and liability.


