Online tools typically use simplified inputs—age, income, and a broad estimate of non-economic harm. In real wrongful death claims, settlement value is shaped by evidence and legal risk, such as:
- How clearly liability can be proven (police findings, witness accounts, logs, footage)
- Whether the fatal outcome is medically connected to the incident
- Whether fault could be shared based on North Dakota’s comparative responsibility rules
- Insurance coverage limits (which can control what settlement authority exists)
In Fargo, that evidence often comes from sources like intersection cameras, dashcam recordings, employer accident reports, or property maintenance documentation—items that a calculator can’t “see.”


