Many online tools present a simple inputs-to-output model (injury severity, treatment cost, wage loss). In Amarillo truck cases, insurers frequently challenge the parts that calculators can’t “see,” such as:
- Causation (whether your symptoms match the crash)
- Comparative fault (whether they claim you contributed)
- Documentation gaps (missing records, late treatment, inconsistent notes)
- Commercial coverage limits (which can cap recovery even when losses are high)
A calculator can be a starting point—but your settlement usually rises or falls based on what can be proven.


