Settlement guidance by scenario

The valuation math barely changes between crash types — what changes is who pays, what must be proven, and which procedural traps can zero an otherwise good claim. Each page covers one scenario's mechanics with the calculator attached.

The traps are the reason these pages exist: the 24-hour police-report window in hit-and-runs, the consent-to-settle clause that can void an underinsured claim, the evidence that evaporates from an intersection within days of a T-bone, the fault concession that zeroes a claim in a bar-rule state. None of them are hard to avoid — all of them are hard to undo. Read your scenario before you talk to any insurer, and run the numbers before you hear theirs.