Accident Claim Timeline & Adjuster Call Logger

Log insurance adjuster conversations, organize critical crash milestones, catalog medical and property expenses, and flag premature recorded statement traps before speaking with counsel.

100% Client-Side. No personal information, police reports, or medical figures are sent to any server.

Log Communication or Event New Record

Date & Time of Interaction Who was contacted / involved? Interaction Type Financial Amount Discussed (Optional) Offer amount, repair estimate, or medical invoice What was said or requested?

Documented Economic Specials 0 items

Accumulated hard out-of-pocket costs (medical, repair, rental, wage loss) documented so far.

Category	Reference / Date	Cost ($)
Total Hard Damages		$0.00

Pre-Call Guardrails

Recorded Statements: Never give a recorded statement to the adverse driver's insurer without consulting a lawyer.
Broad Medical Authorizations: Insurers often ask for blanket medical releases that look back 10+ years. Decline until narrowed.
Injury Stabilization: Never accept an early settlement until you've reached Maximum Medical Improvement (MMI). Soft-tissue pain often takes 72+ hours to manifest.

Chronological Evidence Timeline 0 Records

Hard Damages

$0.00

Latest Offer

None

Offer vs Costs Ratio

Ready. Timeline loaded from local session state.

Why Insurance Adjusters Push Early Offers

Initial settlement checks often come with a comprehensive liability release. Once you sign and deposit it, you permanently forfeit the right to demand compensation for latent spinal, nerve, or concussive injuries that emerge weeks later.

The "Minefield" of Recorded Statements

Adjusters are trained to ask open-ended questions like "How fast were you going?" or "Are you feeling all right today?" Casual answers like "I'm doing okay" can be introduced to challenge injury credibility.

Preparing for a Free Attorney Consultation

Personal injury attorneys work on contingency (no upfront fee). Bringing a clean, timestamped ledger of every phone call, adjuster claim number, and medical expense lets them instantly assess liability and coverage limits.

Documenting Hard Specials and Evaluating Settlement Offers

How does the timeline calculate documented hard damages, compare settlement offers, and flag tactical claim traps?

The tool compiles an itemized record of post-collision events, isolating tangible economic damages—specifically emergency medical bills and property repair quotes—from settlement communications. As events are recorded, it tallies the total hard specials, reads the most recent logged settlement offer, and computes the offer-to-damages coverage ratio. Preset heuristic alerts flag potential negotiation traps, such as recorded statement requests or early settlement offers that fall short of documented out-of-pocket losses.

All calculations run purely client-side in browser memory without statutory legal validation. The 100% threshold alert is a basic recordkeeping heuristic, not a comprehensive valuation of non-economic pain and suffering, future medical requirements, comparative negligence laws, or insurance policy liability limits. The tool does not provide legal advice or replace formal representation.

Try a worked example

When loaded with the standard sample claim, documented medical expenses ($2,450.00) and property repairs ($4,820.50) total $7,270.50 in hard damages. When an adjuster settlement offer of $3,500.00 is logged, the calculator compares $3,500.00 against $7,270.50, computing a 48% ratio and triggering an alert. Clicking the 'Adjuster Calls' filter chip restricts the chronological stream to show only logged phone discussions.

Hard Specials vs. Settlement Ratio Computation

The script filters logged entries where the category is 'medical' or 'damage' with positive numerical values, summing them to establish 'Hard Damages'. When an entry of type 'offer' contains a valid amount, it identifies the latest figure and evaluates the percentage of hard costs covered as Math.round((latestOffer / totalHardDamages) * 100). If this coverage falls below 100%, the interface applies an alert style to emphasize that the proposed payout fails to cover known direct expenses.

Rule-Based Risk Flagging Heuristics

When adding or inspecting communications, the internal submission logic inspects notes for specific keywords. Detecting phrases like 'recorded statement' or 'recorded interview' generates a recorded statement risk warning. Entries discussing 'medical release' or 'authorization' produce notices warning against overly broad medical disclosure requests. Settlement offers logged below total accrued damages automatically receive a sub-par settlement warning.

Timeline sums, offer denominators and event-date selection

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Read the explanation

This saved timeline is a local bookkeeping tool, not a legal or medical assessment. Its representative expense entries are two thousand four hundred fifty and four thousand eight hundred twenty point five zero. Only positive entries typed medical or damage enter the displayed hard-damages sum. They add to seven thousand two hundred seventy point five zero. The saved offer is three thousand five hundred. Dividing offer by logged expenses gives about forty eight point one four percent, rounded to forty eight in the dashboard. Our amount bars use point zero five pixels per dollar: expenses occupy three hundred sixty three point five three pixels and offer one hundred seventy five. A ratio of logged inputs establishes neither compensation entitlement nor what a person should accept. Add a synthetic medical entry of one thousand dollars through the native form. The logged total becomes eight thousand two hundred seventy point five zero while the offer stays three thousand five hundred. The offer fraction decreases to about forty two point three two percent, displayed as forty two. The same amount scale grows the expense bar by fifty pixels to four hundred thirteen point five three. This is a denominator change, not a revised legal valuation. A call entry with a money amount does not enter that expense sum because the source filters by type. Visitor notes and party text are escaped for display. The tool stores entries in this browser and exports actual current JSON and a text dossier; it does not authenticate uploaded evidence. The latest offer is selected by event timestamp, not by order of entry. With the added expense, append an offer of eight thousand dated before the existing offer: the displayed latest amount remains three thousand five hundred. Append the same eight thousand dated after it and the dashboard uses eight thousand, about ninety six point seven three percent, displayed as ninety seven. At point zero five pixels per dollar the selected-offer bar grows from one hundred seventy five to four hundred pixels. Timeline cards sort newest first, while the text dossier sorts oldest first. Filters change visible cards without changing totals. Deleting an entry updates local storage, and reset replaces the timeline with the five representative records after a native confirmation. These are software behaviors, without endorsing the saved legal warnings or incident claims.