Many online tools use generic formulas. Those formulas may not reflect the realities that show up in Sandy disputes, such as:
- Comparative fault issues tied to traffic patterns (lane changes, speed mismatches, visibility, and late braking)
- Causation fights in medical-related deaths where the defense argues an underlying condition—not the incident—was the cause
- Evidence timing after a serious crash (dashcam/video availability, scene evidence preservation, and witness memory)
- Insurance limits that control how quickly and how far negotiations can go
If the tool you’re using doesn’t account for those variables, it can create a false sense of certainty—exactly what grieving families don’t need.


