Most online tools generate a rough number from generic inputs (age, dependents, broad damage categories). In Bonita Springs cases, insurers typically go deeper than a formula because they must decide:
- Who was at fault (and whether fault is shared)
- Whether the death was caused by the incident (medical causation)
- How well damages are documented (funeral costs, lost support, relationship impact)
- Whether policy limits cap recovery
That’s why the most useful “calculation” is usually a case review that translates your facts into the legal categories that can be proven.


