Many tools ask for basic inputs like age and income and then apply broad formulas. That’s not how settlement decisions are usually made here.
Local cases often turn on issues like:
- How the collision happened on a commute route (speed, lane position, signal timing, braking distance)
- Whether evidence supports causation—for example, what the medical records say about the injury-to-death timeline
- Whether fault is shared (comparative negligence can reduce recovery in Ohio)
- What insurance coverage is actually available for the responsible party
In short: the calculator may suggest a number, but the adjuster’s leverage comes from proof.


