Online calculators often use generic inputs (age, income, dependents) and apply broad assumptions. That may feel reassuring, but it usually breaks down in real life—especially when the case involves:
- Traffic patterns and commuting routes where fault may be disputed (lane changes, turning movements, speeding, or distracted driving)
- Pedestrian and crosswalk risk in busier stretches where visibility and signage become issues
- Multiple contributing causes (road conditions, weather, vehicle defects, or employer safety practices)
- Maryland-specific proof requirements that determine what damages can be supported with evidence
A number from a calculator isn’t the same as what a claim is worth once evidence, liability, and Maryland procedures are actually applied.


