Most online tools estimate value using basic inputs—age, income, dependents, and a few damage categories. That can be a helpful starting point, but Buffalo cases often turn on proof that a generic calculator can’t measure:
- How clearly fault is supported (police findings, witness statements, vehicle data)
- Whether injuries directly caused death (medical records and timelines)
- Whether insurance coverage is limited by policy terms
- Whether comparative fault is alleged (Minnesota allows reductions based on shared responsibility)
In other words: the “number” you see online is not the same thing as what an insurer will negotiate in your specific Buffalo claim.


