A calculator may generate a range based on broad assumptions (age, dependents, income). In Matthews, the settlement value often turns on details that generic tools can’t “see,” such as:
- How the incident happened (intersection sequence, lane position, visibility, weather, roadway signage)
- Whether fault is shared (North Carolina’s comparative responsibility can reduce recovery if the decedent is found partially at fault)
- Whether medical records support causation (what the providers documented, the timeline from injury to death, and whether complications are tied to the incident)
- The strength of documentation (photos, incident reports, surveillance footage, witness statements, and preserved evidence)
Because of that, two families can enter the process with similar losses and still see very different settlement outcomes.


