Understand what the formula actually does
If a website multiplies $3,000 in medical charges by three, its output is $9,000. The calculation does not explain why three is appropriate, whether those charges are legally relevant, or what evidence supports a noneconomic loss. Changing the multiplier can create almost any range without improving the analysis.
For a state-specific starting point, use the California Judicial Council’s current instruction resources to review the applicable damage instructions and their context. Do not extend a California example to every state, claim category, or insurance coverage. A calculator’s chosen multiplier is not a substitute for checking the actual legal standard.
Describe effects rather than assigning prices
Write down what changed: an activity you could not do, how long the limitation lasted, what assistance was needed, and which records support the description. Include improvement as well as difficulty. A balanced record is more useful than language selected to make every day sound equally severe.
An invented entry might read: “On May 6, I left a planned walk after ten minutes because of discomfort. I rested at home and mentioned the limitation at the May 8 appointment.” This is a factual note, not a diagnosis or a suggested dollar value. Record your actual experience rather than copying the example.
Keep medical questions with clinicians
A journal cannot establish a diagnosis, prognosis, or causal relationship. Ask a qualified healthcare professional about those questions. Do not pursue or change treatment to influence a claim. Keep treatment decisions focused on health and follow the clinician’s guidance.
Review the calculator’s assumptions
Ask whether it distinguishes completed recovery from an uncertain outlook, labels hypothetical amounts, and explains limitations. If an AI tool cites legal authorities to justify a multiplier, verify the references independently. A confident explanation can still be unsupported.
Before using any result in a negotiation, discuss the jurisdiction and evidence with a qualified lawyer. The practical value of this exercise is a clearer record of the impact and the questions still open. A calculator cannot tell you what an insurer must offer or what a court will award.