Most calculators work like this: they ask for age, income, and dependents, then apply broad assumptions to produce a range. But in Shorewood cases, insurers frequently dispute the parts that a generic calculator can’t see—especially:
- Causation (what actually caused death, and whether intervening medical issues matter)
- Comparative fault (how fault is allocated when pedestrians, cyclists, or drivers all had duties)
- Evidence strength (dash cam footage, witness statements, scene documentation, and medical records)
- Insurance limits (what policies are available and whether coverage is restricted)
In other words: the “number” is less important than the proof behind it.


