Most generic calculators ask for basic inputs—age, income, dependents, and a rough damages category. In real life, especially in a city like San Leandro, insurers and lawyers focus on evidence that supports or undermines liability.
Settlement value often turns on details such as:
- Whether fault is clearly established (for example, distracted driving on a commute route, failure to yield, or unsafe maintenance at a property)
- Causation and medical proof (what the records show about how the fatal condition developed)
- Comparative fault (California can reduce recovery if the deceased is found partly responsible)
- Insurance limits and policy structure (some policies cover less than families assume)
Because these factors vary widely, a calculator may provide a number that doesn’t match what can actually be proven in negotiations.


