Disadvantages of Personal Injury Claims Calculators

Why You Shouldn’t Rely on a Personal Injury Claims Calculator

  • The Fee Is Free Unless You Win®.
  • America's Largest Injury Law Firm™
  • Protecting Families Since 1988
  • 20 Billion+ Won
  • 1,000+ Lawyers Nationwide

Free Case Evaluation

Tell us about your situation so we can get started fighting for you. We tailor each case to meet our clients' needs.
Results may vary depending on your particular facts and legal circumstances.
Our results speak for themselves

The attorneys featured above are licensed in Florida. For a full list of attorneys in your state please visit our attorney page.

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 700,000 cases per year and has won over $20 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.

Scroll down for more

How it works

It's easy to get started.
The Fee Is Free Unless You Win®.

Results may vary depending on your particular facts and legal circumstances.

  • Step 1

    your claim

    With a free case evaluation, submitting your case is easy with Morgan & Morgan.

  • Step 2

    We take

    Our dedicated team gets to work investigating your claim.

  • Step 3

    We fight
    for you

    If we take on the case, our team fights to get you the results you deserve.



Customer Story

“I was in a difficult situation when I was injured by a faulty product. I was hesitant to seek legal help but with the help of Morgan & Morgan, they made the process easy. They took immediate action and got me the compensation I deserved. I couldn't have done it without them. I highly recommend their services.” Estate of Patricia Allen v. RJ Reynolds, et al. | 2014

Client success
stories that inspire and drive change

Explore over 55,000 5-star reviews and 800 client testimonials to discover why people trust Morgan & Morgan.

Results may vary depending on your particular facts and legal circumstances. Based on Select nationwide reviews

  • Video thumbnail for 5l3q2e67j8
    Wistia video play button
  • Video thumbnail for yfe952tcop
    Wistia video play button
  • Video thumbnail for z1bqwg9hkl
    Wistia video play button
  • Video thumbnail for s5nb3hnvkv
    Wistia video play button
  • Video thumbnail for t4elibxene
    Wistia video play button
  • Video thumbnail for 5nr9efxqj3
    Wistia video play button
  • Video thumbnail for e8s1x6u5jp
    Wistia video play button