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Disadvantages of Personal Injury Claims Calculators

You’ve just been in a car accident, and your whole life has changed. The damage to your car is minimal, but you’re suffering from a neck injury that is now creating severe pain in your back. To make matters worse, you’re being flooded with medical bills while simultaneously battling PTSD from the accident. Then, you receive your statement from the insurance company, and they’re refuting your claims based on one small factor: the minimal damage to your car. 

Insurance companies are impersonal because they calculate their claims through an equation called the personal injury claims calculator, completely discounting your worsening neck injury and the effects of your PTSD. Insurance companies already have a standard dollar amount for generalized aspects that “commonly” occur in car accidents—like damage done to the car or a vague account of injuries—and if your accident “fits that standard,” they add that to your estimate. But if it doesn’t follow within specific verbiage, they disclaim it. Then, they plug in the details of your accident—like PTSD—and it either deducts or raises that preconceived estimate. Obviously, this generalized approach doesn’t take into account the extent of your injuries, but the worst part is that they use emotional distress as a way of lowering your compensation. 

Essentially, they assign a number to your emotional reaction to the accident, and it works against you. For example, if your PTSD is a 4, they will multiply the amount you’re entitled to cover by 4. PTSD coupled with the minimal damage to your car makes insurance companies think they have the go-ahead to not cover any of your medical expenses, refuting the coverage entirely based on an equation. How is that fair? The personal injury claims calculator is simply not a credible approach to estimating your compensation and you shouldn’t rely on it.

Don’t let insurance companies lead you to believe this falsely generated estimate is what you deserve. They work based on a generalized system that sees you as a number rather than a person. Their conveyor belt mentality works for them, not for you. At Morgan & Morgan, there is a reason why our slogan is for the People. We don’t think of ourselves first—as insurance companies do—, which is why we work on contingency: if we don’t resolve your case, we don’t get paid. 

Insurance companies know our firm well, and they should after 33 years of us standing up to them. Morgan & Morgan has successfully resolved over 70,000 cases per year and has won over $13 billion for our clients. Let’s just say, when insurance companies read our name, they usually settle in a timely fashion. 


Stand up to insurance companies’ impersonal tactics. Contact us today for a free case evaluation so we can help you receive the compensation you actually deserve and not some lowball number an equation spits out.

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