Online tools usually rely on averages: age, household income, and a generic multiplier. Those inputs can be a starting point, but they don’t capture the details that matter most in real Cambridge cases—especially when causation and fault are disputed.
Common reasons a calculator estimate can be off include:
- Comparative fault arguments that reduce recovery when the defense claims a victim shared responsibility.
- Insurance limits for the at-fault party or employer that cap what can be negotiated.
- Medical causation complexity, such as whether an injury truly led to death or whether an underlying condition contributed.
- Document gaps, like missing pay records, unclear caregiving duties, or incomplete incident documentation.
A better goal is to use the calculator as a prompt for questions—not as a prediction.


