A calculator typically relies on broad inputs (age, income, dependents). What it can’t reliably account for is what North Carolina insurers and courts care about most:
- Who was at fault and how fault is allocated when multiple factors contributed to a fatal crash or incident.
- Causation—whether the defendant’s conduct can be shown to have directly led to the death.
- The quality of documentation available locally (dash cam/video, witness statements, medical timelines, incident reports).
- Policy limits and coverage for the individuals or entities involved.
Two families in Graham can enter the system with similar losses and still see very different settlement outcomes because the evidence story is different.


