Online tools often ask for a few basic inputs (age, income, dependents) and then output a range. In practice, adjusters and attorneys look at additional realities that calculators typically ignore, such as:
- How Ohio fault is likely to be assigned (including comparative fault issues)
- Whether the medical timeline supports causation—what happened, when, and how it connects to death
- Whether evidence is preserved (surveillance, dashcam, witness statements)
- Insurance limits and defense strategy for the specific party involved
A rough range can be a starting point. It should not be treated as an estimate of what an insurer will offer in your case.


