Online tools typically ask for basic details (age, income, dependents) and then apply broad assumptions. In real Moorpark cases, settlement value is often driven by issues that don’t fit neatly into a few input boxes, such as:
- How fault is likely to be allocated (including comparative negligence under California law)
- Whether the death is clearly tied to the incident (medical causation can be disputed)
- What documentation exists locally—for example, traffic reports, witness statements, camera footage, and the condition of vehicles or premises
- Insurance coverage realities—policy limits and how insurers evaluate risk
In other words: the “math” matters, but the proof matters more.


