Online tools typically rely on averages—age, income, and a few generic damage categories. In real Maple Heights cases, the value often turns on issues that calculators can’t properly measure, such as:
- How clearly liability can be proven (dashcam or surveillance availability, witness accounts, scene documentation)
- Whether the medical timeline supports causation (what records show from injury to death)
- Whether multiple parties are involved (driver, employer, property owner, maintenance contractor)
- How comparative fault may be argued under Ohio law (a shared fault argument can reduce recovery)
Insurance adjusters in Ohio don’t negotiate based on averages—they negotiate based on what can be proven and how much it would cost to defend or try the case.


