Online calculators typically work like this: you enter broad facts (age, income, dependents), then the tool outputs an estimated range. In practice, insurers and attorneys in Michigan focus on different questions:
- What exactly caused the death? In many cases, the defense argues an existing condition—not the incident—was the primary cause.
- How clear is fault? Even a “major” event can involve shared responsibility, which can affect settlement value.
- How well are damages documented? Funeral costs, medical bills, and proof of financial support matter.
- What is the insurance situation? Policy limits often influence the first number you receive.
If you use a calculator as a starting point, treat it as a prompt for what documents to gather—not as a prediction of what an insurer will pay.


