A calculator may ask for age, income, and dependents, then spit out a number range. The problem is that Washington-area cases rarely fit the “average” mold.
Common reasons calculator estimates break down in this area include:
- Comparative fault disputes that can reduce payouts even when a defendant is partly responsible.
- Causation questions (especially in medical complications after an accident).
- Insurance limits that cap negotiation leverage.
- Document gaps—missing pay records, incomplete medical timelines, or lost incident evidence.
Instead of treating a calculator like a prediction, use it to understand categories of loss—then let a lawyer evaluate what can actually be proven.


