{"id":4242,"date":"2026-08-03T15:43:00","date_gmt":"2026-08-03T15:43:00","guid":{"rendered":"https:\/\/lainjuryattorneys.com\/?page_id=4242"},"modified":"2026-08-03T15:57:56","modified_gmt":"2026-08-03T15:57:56","slug":"calculadora-del-valor-de-la-caja","status":"publish","type":"page","link":"https:\/\/lainjuryattorneys.com\/es\/case-value-calculator\/","title":{"rendered":"Calculadora del valor del caso"},"content":{"rendered":"<!--\n  ============================================================================\n  LA INJURY ATTORNEYS - CASE VALUE ESTIMATOR\n  ============================================================================\n  Rendered by the [laia_calculator] shortcode (see laia-lead-bridge.php).\n  Self-contained: no external scripts, no jQuery, no build step.\n\n  READ BEFORE LAUNCH: see README.md, section \"Compliance\". California\n  Bus. & Prof. Code 6158.1(c) presumes dollar-amount advertising misleading,\n  and SB 37 (eff. 1\/1\/2026) attaches $5,000-$100,000 statutory damages with a\n  private right of action. The disclosure blocks in this file are load-bearing\n  legal architecture, not decoration. Do not delete them.\n\n  Set LAIA_CONFIG.showDollarRange = false to run in \"Case Review\" mode, which\n  outputs deadlines and case-strength factors instead of dollar figures.\n  ============================================================================\n-->\n\n<div id=\"laia-calc\" class=\"laia-root\" data-mode=\"intro\">\n\n  <script>\n  \/* Config is built server-side in laia-lead-bridge.php from the shortcode\n     attributes and plugin settings, then injected here. 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No cost, no obligation.<\/p>\n  <\/div>\n\n  <div class=\"laia-prog\" id=\"laia-prog\" hidden>\n    <div class=\"laia-prog-track\"><div class=\"laia-prog-fill\" id=\"laia-fill\"><\/div><\/div>\n    <div class=\"laia-prog-lbl\">\n      <span id=\"laia-stepname\">Getting started<\/span>\n      <span id=\"laia-stepcount\"><\/span>\n    <\/div>\n    <ol class=\"laia-steps\" id=\"laia-steplist\"><\/ol>\n  <\/div>\n\n  <div class=\"laia-body\" id=\"laia-body\"><\/div>\n<\/div>\n\n<script>\n(function(){\n\"use strict\";\n\nvar CFG = window.LAIA_CONFIG;\nvar root = document.getElementById('laia-calc');\nvar body = document.getElementById('laia-body');\nvar prog = document.getElementById('laia-prog');\nvar fill = document.getElementById('laia-fill');\nvar stepName  = document.getElementById('laia-stepname');\nvar stepCount = document.getElementById('laia-stepcount');\n\n\/* =====================================================================\n   LANGUAGE\n   ===================================================================== *\/\nvar LANG = CFG.lang === 'auto'\n  ? (\/(^|\\\/)es(\\\/|$)\/.test(location.pathname) ? 'es' : 'en')\n  : CFG.lang;\n\nvar T = {\n  en:{\n    start:\"Start my estimate\", next:\"Continue\", back:\"Back\", see:\"See my estimate\",\n    of:\"of\", step:\"Step\", notSure:\"Not sure\", required:\"Please choose an option to continue.\",\n    resultKicker:\"Estimated settlement range\",\n    resultKickerNoDollar:\"Your case review\",\n    helps:\"What's working in your favor\", hurts:\"What could reduce your recovery\",\n    cantSee:\"What this estimate cannot see\",\n    ctaTitle:\"Get your free policy-limits check\",\n    ctaBody:\"The biggest factor in what you actually recover is how much insurance is available. That takes us about 15 minutes to find out, and it costs you nothing.\",\n    fname:\"First name\", lname:\"Last name\", email:\"Email\", phone:\"Mobile phone\",\n    submit:\"Request my free case review\", sending:\"Sending...\",\n    thanks:\"Thank you. We've received your information.\",\n    thanksBody:\"An attorney from our office will reach out shortly. If your matter is urgent, call us now at \",\n    restart:\"Start over\"\n  },\n  es:{\n    start:\"Comenzar mi estimaci\u00f3n\", next:\"Continuar\", back:\"Atr\u00e1s\", see:\"Ver mi estimaci\u00f3n\",\n    of:\"de\", step:\"Paso\", notSure:\"No estoy seguro\", required:\"Por favor elija una opci\u00f3n para continuar.\",\n    resultKicker:\"Rango estimado de compensaci\u00f3n\",\n    resultKickerNoDollar:\"Revisi\u00f3n de su caso\",\n    helps:\"Lo que favorece su caso\", hurts:\"Lo que podr\u00eda reducir su compensaci\u00f3n\",\n    cantSee:\"Lo que esta estimaci\u00f3n no puede ver\",\n    ctaTitle:\"Verificaci\u00f3n gratuita de los l\u00edmites de la p\u00f3liza\",\n    ctaBody:\"El factor m\u00e1s importante en lo que usted realmente recibe es cu\u00e1nto seguro est\u00e1 disponible. Nos toma unos 15 minutos averiguarlo, y no le cuesta nada.\",\n    fname:\"Nombre\", lname:\"Apellido\", email:\"Correo electr\u00f3nico\", phone:\"Tel\u00e9fono m\u00f3vil\",\n    submit:\"Solicitar mi revisi\u00f3n gratuita\", sending:\"Enviando...\",\n    thanks:\"Gracias. Hemos recibido su informaci\u00f3n.\",\n    thanksBody:\"Un abogado de nuestra oficina se comunicar\u00e1 con usted en breve. Si su asunto es urgente, ll\u00e1menos ahora al \",\n    restart:\"Empezar de nuevo\"\n  }\n}[LANG];\n\n\/* =====================================================================\n   VALUATION MODEL\n   ---------------------------------------------------------------------\n   Structure follows the research: build specials, apply a severity\n   multiplier for general damages, discount for liability and fault,\n   then cap HARD at available coverage. The cap is applied last and is\n   the single highest-signal input -- CA data shows median recovery of\n   ~$880k where limits bind vs ~$2.7M where they do not.\n   ===================================================================== *\/\nvar MODEL = {\n\n  \/* Medical specials: band midpoints, in dollars. *\/\n  medBand:{\n    u5:3000, b5_25:14000, b25_75:48000, b75_250:150000, o250:400000, unknown:null\n  },\n\n  \/* Where treatment is billed changes what the multiplier may act on.\n     Lien\/LOP billing in LA runs 2-5x negotiated rates (Howell v. 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This is the single\n     highest-signal input in the model and almost no competitor asks for it.\n     \"unknown\" is a probability-weighted expectation, not the bare minimum:\n     ~20% of CA drivers are uninsured and many carry the 30\/60 floor, but a\n     substantial share carry 100\/300 or more. *\/\n  limits:{\n    min30:   30000,\n    l50:     50000,\n    l100:    100000,\n    l250:    250000,\n    l500:    500000,\n    none:    0,\n    unknown: 85000\n  },\n\n  \/* UM\/UIM is \"difference in limits\" in California, NOT additive:\n     $15k tortfeasor + $100k UIM = $100k available, not $115k. *\/\n  umim:{ has100:100000, has250:250000, has50:50000, no:0, unknown:0 },\n\n  \/* Defendant type -> available coverage + expected-value coefficient.\n     Coverage is the ceiling; the coefficient captures liability difficulty. *\/\n  defendant:{\n    private:   {coverage:85000,   coef:1.00, label:\"private driver\"},\n    commercial:{coverage:1000000, coef:1.00, label:\"commercial vehicle\"},\n    rideshare: {coverage:1000000, coef:1.00, label:\"rideshare\"},\n    business:  {coverage:1000000, coef:0.72, label:\"business or property owner\"},\n    landlord:  {coverage:600000,  coef:0.65, label:\"landlord or apartment\"},\n    grocery:   {coverage:1000000, coef:0.65, label:\"grocery or retail chain\"},\n    government:{coverage:1000000, coef:0.50, label:\"government entity\"}\n  },\n\n  \/* Rideshare is period- AND fault-dependent. SB 371 (eff. 1\/1\/2026) cut\n     passenger UM\/UIM from $1M to $60k\/$300k. Same crash, ~17x swing. *\/\n  rideshare:{\n    p3_driver:  {coverage:1000000, label:\"rideshare driver at fault, passenger aboard\"},\n    p3_third:   {coverage:60000,   label:\"third party at fault (UM\/UIM capped by SB 371)\"},\n    p2:         {coverage:1000000, label:\"en route to pickup\"},\n    p1:         {coverage:250000,  label:\"app on, no ride accepted\"},\n    p0:         {coverage:45000,   label:\"app off - personal policy only\"}\n  },\n\n  liability:{\n    rearend:1.00, cited:0.95, clear:0.90, disputed:0.72, unclear:0.60,\n    \/* premises-specific *\/\n    created:0.90, notice:0.85, nolog:0.72, defect:0.75, obvious:0.25\n  },\n\n  \/* Range is asymmetric because every underlying distribution is right-skewed. *\/\n  bandLow:0.55, bandHigh:1.60,\n  settlementRate:0.85   \/* cases rarely settle at full policy limits *\/\n};\n\n\/* =====================================================================\n   STATE\n   ===================================================================== *\/\nvar S = {};        \/* answers *\/\nvar stepIdx = 0;\nvar visited = [];\n\n\/* Case types that must never produce a dollar figure. *\/\nvar NO_DOLLAR = {\n  malpractice:{\n    en:{title:\"Legal malpractice claims can't be estimated by formula\",\n        body:\"A legal malpractice case requires proving what would have happened in your original case - what lawyers call a &ldquo;case within a case.&rdquo; Its value depends on four separate probabilities stacked together, so any number a calculator produced would be misleading.\",\n        urgent:\"Your deadline may be much shorter than you think. California gives you one year from when you discovered the problem, or four years from the attorney's mistake, whichever comes first.\"},\n    es:{title:\"Los casos de negligencia legal no se pueden estimar con una f\u00f3rmula\",\n        body:\"Un caso de negligencia legal requiere demostrar qu\u00e9 habr\u00eda pasado en su caso original. Su valor depende de cuatro probabilidades distintas combinadas, por lo que cualquier n\u00famero ser\u00eda enga\u00f1oso.\",\n        urgent:\"Su plazo puede ser mucho m\u00e1s corto de lo que piensa. California le da un a\u00f1o desde que descubri\u00f3 el problema, o cuatro a\u00f1os desde el error del abogado, lo que ocurra primero.\"}\n  },\n  \/* Wrongful death is not multiplier-driven. Value is built from lost support,\n     household services, and the pecuniary value of society and companionship,\n     and it turns on who the surviving heirs are (CCP 377.60). Printing a\n     formula number here would be both inaccurate and callous. *\/\n  death:{\n    en:{title:\"We're very sorry for your loss\",\n        body:\"A wrongful death claim isn't calculated the way an injury claim is. California law looks at the support your family has lost, the services your loved one provided, and the companionship and guidance that can never be replaced. Who may bring the claim depends on your relationship to them. No calculator can weigh that responsibly, and we won't ask you to reduce it to a form.\",\n        urgent:\"One deadline is worth knowing now: California law changed on January 1, 2026. Claims filed on or after that date can no longer recover the pain and suffering your loved one experienced before passing. Most wrongful death claims must also be filed within two years, and within six months if a government agency is involved.\"},\n    es:{title:\"Lamentamos mucho su p\u00e9rdida\",\n        body:\"Un reclamo por muerte injusta no se calcula como un reclamo por lesiones. La ley de California considera el apoyo que su familia ha perdido, los servicios que su ser querido brindaba, y la compa\u00f1\u00eda que nunca puede reemplazarse. Ninguna calculadora puede evaluar eso de manera responsable.\",\n        urgent:\"Un plazo importante: la ley de California cambi\u00f3 el 1 de enero de 2026. Los reclamos presentados en o despu\u00e9s de esa fecha ya no pueden recuperar el dolor y sufrimiento que su ser querido experiment\u00f3. La mayor\u00eda deben presentarse dentro de dos a\u00f1os, y dentro de seis meses si involucra a una agencia del gobierno.\"}\n  },\n  other:{\n    en:{title:\"Let's talk about your case directly\",\n        body:\"This type of matter doesn't fit a settlement formula. The fastest path is a short conversation with an attorney who can tell you where you stand.\",\n        urgent:\"Most California injury claims must be filed within two years. Claims against a government agency can be as short as six months.\"},\n    es:{title:\"Hablemos de su caso directamente\",\n        body:\"Este tipo de asunto no se ajusta a una f\u00f3rmula. Lo m\u00e1s r\u00e1pido es una breve conversaci\u00f3n con un abogado.\",\n        urgent:\"La mayor\u00eda de los reclamos en California deben presentarse dentro de dos a\u00f1os. Los reclamos contra una agencia gubernamental pueden ser de solo seis meses.\"}\n  }\n};\n\n\/* =====================================================================\n   STEP DEFINITIONS\n   ===================================================================== *\/\nfunction opt(v,label,sub){ return {v:v,label:label,sub:sub||null}; }\n\nvar STEPS = [\n{\n  id:\"type\", name:{en:\"Your accident\",es:\"Su accidente\"},\n  q:{en:\"What kind of accident were you in?\",es:\"\u00bfQu\u00e9 tipo de accidente tuvo?\"},\n  hint:{en:\"Choose the closest match.\",es:\"Elija la opci\u00f3n m\u00e1s cercana.\"},\n  fields:[{\n    key:\"caseType\", auto:true, cols:2,\n    opts:[\n      opt(\"auto\",   {en:\"Car accident\",es:\"Accidente de auto\"}),\n      opt(\"truck\",  {en:\"Truck accident\",es:\"Accidente de cami\u00f3n\"}),\n      opt(\"rideshare\",{en:\"Uber or Lyft\",es:\"Uber o Lyft\"}),\n      opt(\"moto\",   {en:\"Motorcycle\",es:\"Motocicleta\"}),\n      opt(\"ped\",    {en:\"Pedestrian\",es:\"Peat\u00f3n\"}),\n      opt(\"bike\",   {en:\"Bicycle\",es:\"Bicicleta\"}),\n      opt(\"fall\",   {en:\"Slip, trip or fall\",es:\"Resbal\u00f3n o ca\u00edda\"}),\n      opt(\"death\",  {en:\"Loss of a family member\",es:\"P\u00e9rdida de un familiar\"}),\n      opt(\"malpractice\",{en:\"Legal malpractice\",es:\"Negligencia legal\"}),\n      opt(\"other\",  {en:\"Something else\",es:\"Otro\"})\n    ]\n  }]\n},\n{\n  id:\"who\", name:{en:\"Who was involved\",es:\"Qui\u00e9n estuvo involucrado\"},\n  q:{en:\"Who was responsible?\",es:\"\u00bfQui\u00e9n fue responsable?\"},\n  hint:{en:\"This tells us how much insurance is likely available, usually the single biggest factor in what you recover.\",\n        es:\"Esto nos dice cu\u00e1nto seguro est\u00e1 disponible, normalmente el factor m\u00e1s importante.\"},\n  fields:[\n    {key:\"defendant\", label:{en:\"The at-fault party was:\",es:\"La parte culpable era:\"},\n     show:function(){return S.caseType!=='rideshare'&&S.caseType!=='fall';},\n     opts:[\n      opt(\"private\",   {en:\"Another private driver\",es:\"Otro conductor particular\"}),\n      opt(\"commercial\",{en:\"A commercial truck or company vehicle\",es:\"Un cami\u00f3n comercial o veh\u00edculo de empresa\"},\n                       {en:\"Federal rules require far higher coverage\",es:\"Las reglas federales exigen mucha m\u00e1s cobertura\"}),\n      opt(\"government\",{en:\"A government vehicle or agency\",es:\"Un veh\u00edculo o agencia del gobierno\"},\n                       {en:\"Special six-month deadline applies\",es:\"Se aplica un plazo especial de seis meses\"}),\n      opt(\"business\",  {en:\"A business\",es:\"Un negocio\"}),\n      opt(\"unknown\",   {en:\"I'm not sure\",es:\"No estoy seguro\"})\n     ]},\n\n    {key:\"premises\", label:{en:\"Where did the fall happen?\",es:\"\u00bfD\u00f3nde ocurri\u00f3 la ca\u00edda?\"},\n     show:function(){return S.caseType==='fall';},\n     opts:[\n      opt(\"grocery\",   {en:\"Grocery store or supermarket\",es:\"Supermercado\"}),\n      opt(\"business\",  {en:\"Store, restaurant or business\",es:\"Tienda, restaurante o negocio\"}),\n      opt(\"landlord\",  {en:\"Apartment or rental property\",es:\"Apartamento o propiedad de alquiler\"}),\n      opt(\"government\",{en:\"Public sidewalk, school or government property\",es:\"Acera p\u00fablica, escuela o propiedad del gobierno\"},\n                       {en:\"Six-month claim deadline applies\",es:\"Plazo de seis meses\"}),\n      opt(\"business2\", {en:\"Hotel or other\",es:\"Hotel u otro\"})\n     ]},\n\n    {key:\"rsPeriod\", label:{en:\"At the time of the crash:\",es:\"En el momento del choque:\"},\n     show:function(){return S.caseType==='rideshare';},\n     opts:[\n      opt(\"p3_driver\",{en:\"I was a passenger, and the Uber\/Lyft driver caused it\",es:\"Yo era pasajero y el conductor caus\u00f3 el accidente\"}),\n      opt(\"p3_third\", {en:\"I was a passenger, and another driver caused it\",es:\"Yo era pasajero y otro conductor lo caus\u00f3\"}),\n      opt(\"p2\",       {en:\"I was the driver on my way to a pickup\",es:\"Yo era el conductor en camino a recoger\"}),\n      opt(\"p1\",       {en:\"I was the driver with the app on, no ride yet\",es:\"Yo era el conductor con la app encendida, sin viaje\"}),\n      opt(\"p0\",       {en:\"The app was off\",es:\"La app estaba apagada\"})\n     ]},\n\n    {key:\"police\", label:{en:\"Was a police or incident report made?\",es:\"\u00bfSe hizo un reporte policial?\"},\n     cols:2,\n     opts:[\n      opt(\"yes\",{en:\"Yes\",es:\"S\u00ed\"}),\n      opt(\"no\", {en:\"No\",es:\"No\"}),\n      opt(\"unsure\",{en:\"Not sure\",es:\"No estoy seguro\"})\n     ]},\n\n    \/* The highest-signal question in the entire model, and the one competitor\n       calculators almost universally skip -- which is why they produce\n       fantasy numbers. \"Not sure\" is expected and handled. *\/\n    {key:\"defLimits\",\n     label:{en:\"Do you know how much insurance coverage they carried?\",\n            es:\"\u00bfSabe cu\u00e1nto seguro ten\u00edan?\"},\n     note:{en:\"Most people don't, and that's fine, and we can find this out for you. But if you know, it changes the estimate more than anything else on this page.\",\n           es:\"La mayor\u00eda no lo sabe, y est\u00e1 bien, y podemos averiguarlo. Pero si lo sabe, cambia la estimaci\u00f3n m\u00e1s que cualquier otra cosa.\"},\n     show:function(){return S.caseType!=='rideshare';},\n     opts:[\n      opt(\"unknown\",{en:\"I don't know\",es:\"No lo s\u00e9\"}),\n      opt(\"min30\",{en:\"State minimum ($30,000)\",es:\"M\u00ednimo estatal ($30,000)\"}),\n      opt(\"l100\",{en:\"Around $100,000\",es:\"Alrededor de $100,000\"}),\n      opt(\"l250\",{en:\"$250,000 or more\",es:\"$250,000 o m\u00e1s\"}),\n      opt(\"l500\",{en:\"$500,000 or more, or a large company\",es:\"$500,000 o m\u00e1s, o una empresa grande\"}),\n      opt(\"none\",{en:\"They had no insurance\",es:\"No ten\u00edan seguro\"})\n     ]}\n  ]\n},\n{\n  id:\"injury\", name:{en:\"Your injuries\",es:\"Sus lesiones\"},\n  q:{en:\"How badly were you hurt?\",es:\"\u00bfQu\u00e9 tan grave fue su lesi\u00f3n?\"},\n  hint:{en:\"Pick the description that best matches your medical records.\",\n        es:\"Elija la descripci\u00f3n que mejor coincida con sus registros m\u00e9dicos.\"},\n  fields:[\n    {key:\"severity\", label:{en:\"Your injuries were:\",es:\"Sus lesiones fueron:\"},\n     opts:[\n      opt(\"soft\",{en:\"Sprains, strains or whiplash\",es:\"Esguinces, torceduras o latigazo\"},\n                 {en:\"No fracture or disc injury on imaging\",es:\"Sin fractura o lesi\u00f3n de disco en im\u00e1genes\"}),\n      opt(\"fracture\",{en:\"A broken bone or a disc injury confirmed by MRI\",es:\"Hueso roto o lesi\u00f3n de disco confirmada por resonancia\"}),\n      opt(\"surgery\",{en:\"Serious enough that surgery was done or recommended\",es:\"Suficientemente grave para cirug\u00eda\"}),\n      opt(\"catastroph\",{en:\"Catastrophic: brain injury, paralysis or amputation\",es:\"Catastr\u00f3fica: lesi\u00f3n cerebral, par\u00e1lisis o amputaci\u00f3n\"})\n     ]},\n    {key:\"surgeryDone\", label:{en:\"Have you had surgery?\",es:\"\u00bfHa tenido cirug\u00eda?\"}, cols:2,\n     opts:[\n      opt(\"had\",{en:\"Yes, already had it\",es:\"S\u00ed, ya la tuve\"}),\n      opt(\"recommended\",{en:\"Recommended, not yet done\",es:\"Recomendada, a\u00fan no\"}),\n      opt(\"no\",{en:\"No surgery\",es:\"Sin cirug\u00eda\"})\n     ]},\n    {key:\"permanent\", label:{en:\"Do doctors expect lasting effects?\",es:\"\u00bfLos m\u00e9dicos esperan efectos permanentes?\"}, cols:2,\n     opts:[\n      opt(\"yes\",{en:\"Yes, permanent\",es:\"S\u00ed, permanentes\"}),\n      opt(\"early\",{en:\"Too early to tell\",es:\"Muy pronto para saber\"}),\n      opt(\"no\",{en:\"Expected full recovery\",es:\"Recuperaci\u00f3n completa esperada\"})\n     ]}\n  ]\n},\n{\n  id:\"treatment\", name:{en:\"Your treatment\",es:\"Su tratamiento\"},\n  q:{en:\"Tell us about your medical care\",es:\"Cu\u00e9ntenos sobre su atenci\u00f3n m\u00e9dica\"},\n  hint:{en:\"Gaps in treatment are one of the most common reasons insurers reduce an offer.\",\n        es:\"Los retrasos en el tratamiento son una raz\u00f3n com\u00fan para reducir una oferta.\"},\n  fields:[\n    {key:\"gap\", label:{en:\"How soon after the accident did you first see a doctor?\",\n                       es:\"\u00bfQu\u00e9 tan pronto vio a un m\u00e9dico?\"},\n     opts:[\n      opt(\"sameday\",{en:\"Same day, or by ambulance\",es:\"El mismo d\u00eda, o en ambulancia\"}),\n      opt(\"d3\",{en:\"Within 3 days\",es:\"Dentro de 3 d\u00edas\"}),\n      opt(\"w2\",{en:\"Within 2 weeks\",es:\"Dentro de 2 semanas\"}),\n      opt(\"over2w\",{en:\"More than 2 weeks later\",es:\"M\u00e1s de 2 semanas despu\u00e9s\"})\n     ]},\n    {key:\"medBand\", label:{en:\"Roughly how much are your medical bills so far?\",\n                           es:\"\u00bfAproximadamente cu\u00e1nto suman sus facturas m\u00e9dicas?\"},\n     opts:[\n      opt(\"u5\",{en:\"Under $5,000\",es:\"Menos de $5,000\"}),\n      opt(\"b5_25\",{en:\"$5,000 to $25,000\",es:\"$5,000 to $25,000\"}),\n      opt(\"b25_75\",{en:\"$25,000 to $75,000\",es:\"$25,000 to $75,000\"}),\n      opt(\"b75_250\",{en:\"$75,000 to $250,000\",es:\"$75,000 to $250,000\"}),\n      opt(\"o250\",{en:\"Over $250,000\",es:\"M\u00e1s de $250,000\"}),\n      opt(\"unknown\",{en:\"I don't know yet\",es:\"Todav\u00eda no lo s\u00e9\"})\n     ]},\n    {key:\"billing\", label:{en:\"How is your treatment being paid for?\",es:\"\u00bfC\u00f3mo se paga su tratamiento?\"},\n     cols:2,\n     opts:[\n      opt(\"insurance\",{en:\"Health insurance\",es:\"Seguro m\u00e9dico\"}),\n      opt(\"lien\",{en:\"On a lien \/ attorney referral\",es:\"Con gravamen \/ referencia legal\"},\n                 {en:\"Paid out of the settlement later\",es:\"Se paga del acuerdo despu\u00e9s\"}),\n      opt(\"mixed\",{en:\"Some of both\",es:\"Ambos\"}),\n      opt(\"unknown\",{en:\"Not sure\",es:\"No estoy seguro\"})\n     ]},\n    {key:\"stillTreating\", label:{en:\"Are you still treating?\",es:\"\u00bfSigue en tratamiento?\"}, cols:2,\n     opts:[opt(\"yes\",{en:\"Yes\",es:\"S\u00ed\"}),opt(\"no\",{en:\"No, finished\",es:\"No, termin\u00e9\"})]}\n  ]\n},\n{\n  id:\"work\", name:{en:\"Work and income\",es:\"Trabajo e ingresos\"},\n  q:{en:\"Did this affect your work?\",es:\"\u00bfAfect\u00f3 esto su trabajo?\"},\n  hint:{en:\"Lost income is recoverable on top of medical bills.\",\n        es:\"Los ingresos perdidos son recuperables adem\u00e1s de las facturas m\u00e9dicas.\"},\n  fields:[\n    {key:\"weeksOff\", label:{en:\"How much work have you missed?\",es:\"\u00bfCu\u00e1nto trabajo ha perdido?\"},\n     opts:[\n      opt(\"none\",{en:\"None\",es:\"Nada\"}),\n      opt(\"u2\",{en:\"Less than 2 weeks\",es:\"Menos de 2 semanas\"}),\n      opt(\"w2_8\",{en:\"2 to 8 weeks\",es:\"2 a 8 semanas\"}),\n      opt(\"m2_6\",{en:\"2 to 6 months\",es:\"2 a 6 meses\"}),\n      opt(\"still\",{en:\"Still unable to work\",es:\"Todav\u00eda no puedo trabajar\"})\n     ]},\n    {key:\"income\", label:{en:\"Your approximate annual income before the accident\",\n                          es:\"Su ingreso anual aproximado antes del accidente\"},\n     cols:2,\n     opts:[\n      opt(\"u30\",{en:\"Under $30,000\",es:\"Menos de $30,000\"}),\n      opt(\"b30_60\",{en:\"$30,000 to $60,000\",es:\"$30,000 to $60,000\"}),\n      opt(\"b60_100\",{en:\"$60,000 to $100,000\",es:\"$60,000 to $100,000\"}),\n      opt(\"b100_200\",{en:\"$100,000 to $200,000\",es:\"$100,000 to $200,000\"}),\n      opt(\"o200\",{en:\"Over $200,000\",es:\"M\u00e1s de $200,000\"}),\n      opt(\"na\",{en:\"Prefer not to say\",es:\"Prefiero no decir\"})\n     ]}\n  ]\n},\n{\n  id:\"final\", name:{en:\"Last details\",es:\"\u00daltimos detalles\"},\n  q:{en:\"Two last questions\",es:\"Dos \u00faltimas preguntas\"},\n  hint:{en:\"These matter more than most people expect.\",es:\"Estos importan m\u00e1s de lo que la gente espera.\"},\n  fields:[\n    {key:\"fault\", label:{en:\"Was any part of the accident your fault?\",\n                         es:\"\u00bfFue parte del accidente su culpa?\"},\n     note:{en:\"In California you can still recover compensation even if you were partly at fault. Your recovery is simply reduced by your share.\",\n           es:\"En California usted todav\u00eda puede recibir compensaci\u00f3n aunque haya tenido parte de la culpa.\"},\n     opts:[\n      opt(\"none\",{en:\"No, not at all\",es:\"No, para nada\"}),\n      opt(\"maybe\",{en:\"Maybe a small part\",es:\"Quiz\u00e1s una parte peque\u00f1a\"}),\n      opt(\"partly\",{en:\"Yes, partly\",es:\"S\u00ed, en parte\"}),\n      opt(\"unsure\",{en:\"I'm not sure\",es:\"No estoy seguro\"})\n     ]},\n    {key:\"insured\", label:{en:\"At the time, did you have auto insurance?\",\n                           es:\"En ese momento, \u00bften\u00eda seguro de auto?\"},\n     show:function(){return ['auto','truck','moto','rideshare'].indexOf(S.caseType)>=0;},\n     note:{en:\"California law (Proposition 213) limits uninsured drivers to economic damages only.\",\n           es:\"La ley de California (Proposici\u00f3n 213) limita a los conductores sin seguro.\"},\n     cols:2,\n     opts:[\n      opt(\"yes\",{en:\"Yes\",es:\"S\u00ed\"}),\n      opt(\"no\",{en:\"No\",es:\"No\"}),\n      opt(\"passenger\",{en:\"I was a passenger\",es:\"Yo era pasajero\"})\n     ]},\n    \/* UM\/UIM is often the only real source of recovery when the at-fault\n       driver is uninsured or minimally insured -- which is ~1 in 5 in CA. *\/\n    {key:\"umim\",\n     label:{en:\"Do you carry uninsured \/ underinsured motorist coverage?\",\n            es:\"\u00bfTiene cobertura de motorista sin seguro o con seguro insuficiente?\"},\n     show:function(){return ['auto','truck','moto','ped','bike','rideshare'].indexOf(S.caseType)>=0;},\n     note:{en:\"This is your own policy, and it often matters most when the other driver had little or no insurance. In California it works as &ldquo;difference in limits,&rdquo; so it raises your ceiling rather than stacking on top.\",\n           es:\"Es su propia p\u00f3liza, y a menudo importa m\u00e1s cuando el otro conductor ten\u00eda poco o ning\u00fan seguro.\"},\n     cols:2,\n     opts:[\n      opt(\"unknown\",{en:\"Not sure\",es:\"No estoy seguro\"}),\n      opt(\"no\",{en:\"No\",es:\"No\"}),\n      opt(\"has50\",{en:\"Yes, around $50,000\",es:\"S\u00ed, alrededor de $50,000\"}),\n      opt(\"has100\",{en:\"Yes, around $100,000\",es:\"S\u00ed, alrededor de $100,000\"}),\n      opt(\"has250\",{en:\"Yes, $250,000 or more\",es:\"S\u00ed, $250,000 o m\u00e1s\"})\n     ]},\n\n    {key:\"when\", label:{en:\"When did the accident happen?\",es:\"\u00bfCu\u00e1ndo ocurri\u00f3 el accidente?\"},\n     opts:[\n      opt(\"lt6\",{en:\"Within the last 6 months\",es:\"En los \u00faltimos 6 meses\"}),\n      opt(\"m6_12\",{en:\"6 to 12 months ago\",es:\"Hace 6 a 12 meses\"}),\n      opt(\"m12_24\",{en:\"1 to 2 years ago\",es:\"Hace 1 a 2 a\u00f1os\"}),\n      opt(\"gt24\",{en:\"More than 2 years ago\",es:\"Hace m\u00e1s de 2 a\u00f1os\"})\n     ]}\n  ]\n}\n];\n\n\/* =====================================================================\n   ENGINE\n   ===================================================================== *\/\nfunction tx(o){ return typeof o==='string' ? o : (o[LANG]||o.en); }\nfunction money(n){\n  if(n>=1000000) return '$'+(n\/1000000).toFixed(n>=10000000?0:1).replace(\/\\.0$\/,'')+'M';\n  if(n>=1000)    return '$'+Math.round(n\/1000)+'K';\n  return '$'+Math.round(n).toLocaleString('en-US');\n}\n\nfunction coverageFor(){\n  if(S.caseType==='rideshare' && S.rsPeriod) return MODEL.rideshare[S.rsPeriod].coverage;\n\n  var base;\n  \/* Only a DECLARED limit overrides the defendant-type default. \"unknown\" must\n     fall through, otherwise answering \"I don't know\" would turn a commercial\n     truck (federal $750k-$1M floor) into an $85k private-car case. *\/\n  if(S.defLimits && S.defLimits!=='unknown' && MODEL.limits[S.defLimits] !== undefined){\n    base = MODEL.limits[S.defLimits];\n  } else {\n    var key = S.premises || S.defendant;\n    if(key==='business2') key='business';\n    if(S.caseType==='truck') key='commercial';\n    var d = MODEL.defendant[key];\n    base = d ? d.coverage : MODEL.defendant.private.coverage;\n  }\n\n  \/* Difference-in-limits, not additive. UM\/UIM only lifts the ceiling to its\n     own limit; it does not stack on top of the tortfeasor's policy. *\/\n  var uim = MODEL.umim[S.umim] || 0;\n  return Math.max(base, uim);\n}\nfunction defCoef(){\n  var key = S.premises || S.defendant;\n  if(key==='business2') key='business';\n  if(S.caseType==='truck') key='commercial';\n  if(S.caseType==='rideshare') return 1.00;\n  var d = MODEL.defendant[key];\n  return d ? d.coef : 1.00;\n}\n\nfunction compute(){\n  var sev = MODEL.severity[S.severity] || MODEL.severity.soft;\n\n  \/* --- Specials --- *\/\n  var med = MODEL.medBand[S.medBand];\n  if(med === null || med === undefined) med = sev.floor * 0.35;   \/* infer from severity *\/\n  med = med * (MODEL.billing[S.billing] || 0.75);\n\n  var wage = (MODEL.income[S.income]||0) \/ 52 * (MODEL.weeksOff[S.weeksOff]||0);\n\n  \/* Future exposure for permanent \/ catastrophic cases. *\/\n  var future = 0;\n  if(S.permanent === 'yes') future = med * 1.4 + wage * 2.0;\n  if(S.severity === 'catastroph') future = Math.max(future, med * 3.0 + 500000);\n\n  var specials = med + wage + future;\n\n  \/* --- General damages --- *\/\n  var mult = sev.mult\n           * (MODEL.surgery[S.surgeryDone]||1)\n           * (MODEL.permanent[S.permanent]||1)\n           * (MODEL.gap[S.gap]||1)\n           * (MODEL.stillTreating[S.stillTreating]||1);\n\n  \/* Prop 213: uninsured driver-owner recovers economic damages only. *\/\n  var prop213 = (S.insured === 'no');\n  var general = prop213 ? 0 : specials * mult;\n\n  var gross = specials + general;\n\n  \/* --- Liability + fault --- *\/\n  var liab = MODEL.liability.clear;\n  if(S.caseType==='fall'){\n    liab = MODEL.liability.nolog;\n    if(S.premises==='government') liab = MODEL.liability.defect;\n  } else {\n    if(S.police==='yes') liab = MODEL.liability.cited;\n    if(S.police==='no')  liab = MODEL.liability.disputed;\n    if(S.police==='unsure') liab = MODEL.liability.unclear;\n  }\n\n  var faultCut = {none:1.00, maybe:0.88, partly:0.70, unsure:0.85}[S.fault] || 0.90;\n\n  var adjusted = gross * liab * faultCut * defCoef();\n\n  \/* --- Coverage ceiling, applied LAST and hard ---\n     The ceiling is discounted by liability and fault too. A carrier tenders\n     full limits when liability is clear and damages dwarf the policy; on a\n     contested claim it tenders a fraction. Without this, a limits-capped case\n     would show the same number at 0% fault and 40% fault, which is wrong and\n     also makes the tool look broken to anyone testing it. *\/\n  var coverage = coverageFor();\n  var ceiling  = coverage * MODEL.settlementRate * liab * faultCut;\n  var capped   = Math.min(adjusted, ceiling);\n  var isCapped = adjusted > ceiling;\n\n  \/* Widen the band when we're guessing at coverage. An honest estimate should\n     look less certain when the biggest input is unknown. *\/\n  var lo = MODEL.bandLow, hi = MODEL.bandHigh;\n  if(!S.defLimits || S.defLimits==='unknown'){ lo *= 0.80; hi *= 1.25; }\n  if(S.medBand==='unknown'){ lo *= 0.90; hi *= 1.10; }\n\n  \/* Never display a ceiling above what can actually be collected. Showing\n     \"up to $1.6M\" against a $1M policy is exactly the kind of unsupportable\n     figure B&P 6158 requires be factually substantiated. *\/\n  var hiVal = capped * hi;\n  if(isCapped && coverage > 0) hiVal = Math.min(hiVal, coverage);\n\n  return {\n    low:  Math.max(1000, capped * lo),\n    high: Math.max(2500, hiVal),\n    mid:  capped,\n    specials:specials, general:general, mult:mult,\n    coverage:coverage, isCapped:isCapped, prop213:prop213,\n    liab:liab, faultCut:faultCut\n  };\n}\n\n\/* Gates that override any dollar output entirely. *\/\nfunction gate(){\n  if(S.caseType==='malpractice') return {type:'nodollar', key:'malpractice'};\n  if(S.caseType==='death')       return {type:'nodollar', key:'death'};\n  if(S.caseType==='other')       return {type:'nodollar', key:'other'};\n  if(S.when==='gt24')            return {type:'sol'};\n  var gov = (S.defendant==='government' || S.premises==='government');\n  if(gov && (S.when==='m6_12'||S.when==='m12_24'||S.when==='gt24')) return {type:'govclaim'};\n  \/* No coverage anywhere: a dollar range would be actively misleading, because\n     recovery would depend entirely on the defendant's personal assets. *\/\n  if(coverageFor() === 0) return {type:'nocoverage'};\n  return null;\n}\n\nfunction factors(r){\n  var up=[],dn=[];\n  var L=LANG;\n  function A(arr,en,es){ arr.push(L==='es'?es:en); }\n\n  if(S.police==='yes') A(up,\"A police report documents what happened\",\"Un reporte policial documenta lo ocurrido\");\n  if(S.gap==='sameday') A(up,\"You sought care immediately, which insurers treat as strong evidence\",\"Busc\u00f3 atenci\u00f3n de inmediato, lo cual es evidencia fuerte\");\n  if(S.surgeryDone==='had') A(up,\"Surgery is objective proof of a serious injury\",\"La cirug\u00eda es prueba objetiva de una lesi\u00f3n grave\");\n  if(S.permanent==='yes') A(up,\"Documented permanent effects significantly raise value\",\"Los efectos permanentes documentados aumentan el valor\");\n  if(S.caseType==='truck') A(up,\"Commercial carriers must carry at least $750,000 in coverage\",\"Los transportistas comerciales deben tener al menos $750,000 de cobertura\");\n  if(S.fault==='none') A(up,\"No fault attributed to you\",\"No se le atribuye culpa\");\n  if(S.severity==='catastroph') A(up,\"Catastrophic injuries carry no cap on pain and suffering in California\",\"Las lesiones catastr\u00f3ficas no tienen l\u00edmite en California\");\n\n  if(S.gap==='over2w') A(dn,\"A gap of more than two weeks before treatment is the most common reason insurers discount a claim\",\"Un retraso de m\u00e1s de dos semanas es la raz\u00f3n m\u00e1s com\u00fan para reducir un reclamo\");\n  if(S.gap==='w2') A(dn,\"A delay before first treatment gives the insurer an argument\",\"Un retraso antes del tratamiento le da un argumento a la aseguradora\");\n  if(S.police==='no') A(dn,\"Without a report, liability may be disputed\",\"Sin un reporte, la responsabilidad puede ser disputada\");\n  if(S.fault==='partly') A(dn,\"Your share of fault reduces recovery proportionally\",\"Su parte de culpa reduce la compensaci\u00f3n proporcionalmente\");\n  if(r.prop213) A(dn,\"Proposition 213 bars pain and suffering damages for uninsured drivers, and this is the largest single reduction in your estimate\",\"La Proposici\u00f3n 213 proh\u00edbe da\u00f1os por dolor y sufrimiento para conductores sin seguro\");\n  if(r.isCapped) A(dn,\"Your damages likely exceed the available insurance, which caps what can realistically be collected\",\"Sus da\u00f1os probablemente exceden el seguro disponible, lo cual limita lo cobrable\");\n  if(S.defLimits==='none'&&(!S.umim||S.umim==='no')) A(dn,\"If the at-fault party had no insurance and you have no uninsured-motorist coverage, recovery may depend on their personal assets. This is worth discussing before you do anything else\",\"Si la parte culpable no ten\u00eda seguro y usted no tiene cobertura de motorista sin seguro, la recuperaci\u00f3n puede depender de sus bienes personales\");\n  if(S.defLimits==='min30') A(dn,\"State-minimum coverage of $30,000 is often the practical ceiling, no matter how serious the injuries\",\"La cobertura m\u00ednima estatal de $30,000 suele ser el l\u00edmite pr\u00e1ctico, sin importar la gravedad\");\n  if(S.defLimits==='unknown') A(dn,\"Because the at-fault party's policy limits are unknown, this range is wider than it would otherwise be. Finding those limits is the first thing we'd do\",\"Como se desconocen los l\u00edmites de la p\u00f3liza, este rango es m\u00e1s amplio de lo normal\");\n  if(S.umim==='has250'||S.umim==='has100') A(up,\"Your own underinsured-motorist coverage raises the ceiling on what can be collected\",\"Su propia cobertura de motorista con seguro insuficiente aumenta el l\u00edmite cobrable\");\n  if(S.defLimits==='l500') A(up,\"A large policy or corporate defendant means the case is far less likely to be capped by coverage\",\"Una p\u00f3liza grande o un demandado corporativo significa que el caso es menos probable que est\u00e9 limitado por la cobertura\");\n  if(S.caseType==='fall') A(dn,\"Property cases require proving the owner knew or should have known about the hazard\",\"Los casos de propiedad requieren probar que el due\u00f1o sab\u00eda del peligro\");\n  if(S.premises==='government'||S.defendant==='government') A(dn,\"Claims against government agencies face a six-month deadline and extra legal hurdles\",\"Los reclamos contra agencias del gobierno tienen un plazo de seis meses\");\n  if(S.rsPeriod==='p3_third') A(dn,\"A 2026 change in California law (SB 371) cut rideshare uninsured-motorist coverage from $1,000,000 to $60,000\",\"Un cambio de 2026 (SB 371) redujo la cobertura de $1,000,000 a $60,000\");\n  if(S.rsPeriod==='p1') A(dn,\"With the app on but no ride accepted, coverage is far lower than the $1M most people expect\",\"Con la app encendida pero sin viaje, la cobertura es mucho menor\");\n\n  return {up:up,dn:dn};\n}\n\n\/* =====================================================================\n   RENDER\n   ===================================================================== *\/\nfunction visibleFields(step){\n  return step.fields.filter(function(f){ return !f.show || f.show(); });\n}\nfunction stepComplete(step){\n  return visibleFields(step).every(function(f){ return S[f.key]; });\n}\n\nfunction setProgress(){\n  prog.hidden = false;\n  var pct = 25 + (stepIdx\/(STEPS.length)) * 70;\n  fill.style.width = Math.min(pct,96)+'%';\n  stepName.textContent = tx(STEPS[stepIdx].name);\n  stepCount.textContent = T.step+' '+(stepIdx+1)+' '+T.of+' '+STEPS.length;\n}\n\nfunction render(){\n  var step = STEPS[stepIdx];\n  setProgress();\n\n  var h = '<h3 class=\"laia-q\" id=\"laia-qh\" tabindex=\"-1\">'+tx(step.q)+'<\/h3>';\n  if(step.hint) h += '<p class=\"laia-hint\">'+tx(step.hint)+'<\/p>';\n\n  visibleFields(step).forEach(function(f){\n    h += '<div class=\"laia-field\">';\n    if(f.label) h += '<span class=\"laia-lbl\">'+tx(f.label)+'<\/span>';\n    h += '<div class=\"laia-opts'+(f.cols===2?' two':'')+'\" role=\"group\">';\n    f.opts.forEach(function(o){\n      var on = S[f.key]===o.v;\n      h += '<button type=\"button\" class=\"laia-opt\" aria-pressed=\"'+on+'\" '+\n           'data-k=\"'+f.key+'\" data-v=\"'+o.v+'\"'+(f.auto?' data-auto=\"1\"':'')+'>'+\n           '<span class=\"laia-opt-mark\"><svg viewBox=\"0 0 12 12\" fill=\"none\" aria-hidden=\"true\">'+\n           '<path d=\"M2 6.2 4.6 8.8 10 3.4\" stroke=\"#0E1A06\" stroke-width=\"2\" '+\n           'stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>'+\n           '<span class=\"laia-opt-txt\"><strong>'+tx(o.label)+'<\/strong>'+\n           (o.sub?'<span>'+tx(o.sub)+'<\/span>':'')+'<\/span><\/button>';\n    });\n    h += '<\/div>';\n    if(f.note) h += '<div class=\"laia-note laia-note-info\" style=\"margin-top:10px\">'+tx(f.note)+'<\/div>';\n    h += '<\/div>';\n  });\n\n  h += '<p class=\"laia-err\" id=\"laia-err\" hidden>'+T.required+'<\/p>';\n  h += '<div class=\"laia-nav\">';\n  if(stepIdx>0) h += '<button type=\"button\" class=\"laia-btn laia-btn-ghost\" id=\"laia-back\">'+T.back+'<\/button>';\n  h += '<span class=\"laia-spacer\"><\/span>';\n  var last = stepIdx===STEPS.length-1;\n  h += '<button type=\"button\" class=\"laia-btn laia-btn-primary\" id=\"laia-next\">'+(last?T.see:T.next)+'<\/button>';\n  h += '<\/div>';\n\n  body.innerHTML = h;\n\n  \/* Focus the heading, update title. No live region -> no double announce. *\/\n  var qh = document.getElementById('laia-qh');\n  if(qh && visited.indexOf(stepIdx)<0) qh.focus({preventScroll:true});\n  visited.push(stepIdx);\n  document.title = tx(step.name)+' | '+CFG.firmName;\n\n  body.querySelectorAll('.laia-opt').forEach(function(b){\n    b.addEventListener('click', function(){\n      var k=b.dataset.k, v=b.dataset.v;\n      S[k]=v;\n      b.parentNode.querySelectorAll('.laia-opt').forEach(function(x){\n        x.setAttribute('aria-pressed', String(x===b));\n      });\n      document.getElementById('laia-err').hidden = true;\n      if(b.dataset.auto) setTimeout(advance, 220);   \/* auto-advance single-question steps *\/\n    });\n  });\n  var bk=document.getElementById('laia-back');\n  if(bk) bk.addEventListener('click', function(){ stepIdx--; render(); scrollTop(); });\n  document.getElementById('laia-next').addEventListener('click', advance);\n}\n\nfunction advance(){\n  var step = STEPS[stepIdx];\n  if(!stepComplete(step)){\n    var e=document.getElementById('laia-err');\n    if(e){ e.hidden=false; }\n    return;\n  }\n  track('laia_step_complete',{step:step.id, index:stepIdx+1});\n\n  \/* Non-dollar case types short-circuit immediately after step 1. *\/\n  if(stepIdx===0 && NO_DOLLAR[S.caseType]){\n    return renderNoDollar(S.caseType);\n  }\n  if(stepIdx < STEPS.length-1){ stepIdx++; render(); scrollTop(); }\n  else renderResult();\n}\n\nfunction scrollTop(){\n  var r = root.getBoundingClientRect();\n  if(r.top < 0) root.scrollIntoView({behavior:'smooth',block:'start'});\n}\n\n\/* ---------------------------------------------------------------------\n   Result\n   --------------------------------------------------------------------- *\/\nfunction renderResult(){\n  var g = gate();\n  if(g && g.type==='nodollar') return renderNoDollar(g.key);\n  if(g && g.type==='sol')        return renderGate('sol');\n  if(g && g.type==='govclaim')   return renderGate('govclaim');\n  if(g && g.type==='nocoverage') return renderGate('nocoverage');\n\n  var r = compute();\n  var f = factors(r);\n  root.dataset.mode='result';\n  prog.hidden = true;\n  track('laia_estimate_complete',{\n    case_type:S.caseType, severity:S.severity,\n    value_low:Math.round(r.low), value_high:Math.round(r.high)\n  });\n\n  var h = '<div role=\"status\">';\n\n  if(CFG.showDollarRange){\n    h += '<div class=\"laia-result-band\">'+\n         '<p class=\"laia-result-kicker\">'+T.resultKicker+'<\/p>'+\n         '<p class=\"laia-range\">'+money(r.low)+'<span class=\"laia-range-sep\">&ndash;<\/span>'+money(r.high)+'<\/p>'+\n         '<p class=\"laia-result-sub\">'+\n         (LANG==='es'\n           ? 'Basado \u00fanicamente en los hechos que usted ingres\u00f3. Casos con hechos diferentes producen resultados diferentes.'\n           : 'Based only on the facts you entered. Cases with different facts produce different results.')+\n         '<\/p><\/div>'+\n         \/* Gross-vs-net is stated up front, not buried. A client who expects the\n            headline number and receives roughly half of it is the most common\n            source of fee disputes and bar complaints. *\/\n         '<div class=\"laia-note laia-note-info\" style=\"margin-top:12px\">'+\n         (LANG==='es'\n           ? '<strong>Esta cifra es antes de honorarios, costos y grav\u00e1menes m\u00e9dicos.<\/strong> Despu\u00e9s de los honorarios del abogado, los costos del caso y el reembolso de los proveedores m\u00e9dicos, los clientes normalmente reciben entre el 35% y el 55% del total bruto. Le explicaremos exactamente c\u00f3mo funciona esto antes de que firme cualquier cosa.'\n           : '<strong>This figure is before attorney fees, case costs, and medical liens.<\/strong> After fees, costs, and repaying medical providers, clients typically receive between 35% and 55% of the gross amount. We will walk you through exactly how that math works before you sign anything.')+\n         '<\/div>';\n  } else {\n    h += '<div class=\"laia-result-band\">'+\n         '<p class=\"laia-result-kicker\">'+T.resultKickerNoDollar+'<\/p>'+\n         '<p class=\"laia-range\" style=\"font-size:clamp(20px,4vw,27px)\">'+\n         (LANG==='es'?'Su caso merece una revisi\u00f3n':'Your case merits a review')+'<\/p><\/div>';\n  }\n\n  if(f.up.length){\n    h += '<div class=\"laia-because\"><h4>'+T.helps+'<\/h4><ul class=\"laia-factors\">';\n    f.up.forEach(function(t){ h += li(t,'up'); });\n    h += '<\/ul><\/div>';\n  }\n  if(f.dn.length){\n    h += '<div class=\"laia-because\"><h4>'+T.hurts+'<\/h4><ul class=\"laia-factors\">';\n    f.dn.forEach(function(t){ h += li(t,'dn'); });\n    h += '<\/ul><\/div>';\n  }\n\n  \/* Naming the model's blind spots is both honest and required context\n     under B&P 6158.3 (results depend on facts; different facts differ). *\/\n  h += '<div class=\"laia-note laia-note-warn\"><strong>'+T.cantSee+'<\/strong>'+\n       (LANG==='es'\n         ? 'Esta herramienta no puede ver los l\u00edmites reales de la p\u00f3liza del responsable, sus condiciones m\u00e9dicas previas, ni c\u00f3mo se desarrolle la evidencia. Estos factores mueven el valor de un caso m\u00e1s que cualquier pregunta anterior.'\n         : 'This tool cannot see the at-fault party&rsquo;s actual policy limits, your pre-existing conditions, or how the liability evidence develops. These routinely move case value more than anything you entered above.')+\n       '<\/div>';\n\n  h += ctaBlock();\n  h += legalBlock();\n  h += '<\/div>';\n  body.innerHTML = h;\n  wireForm();\n  scrollTop();\n}\n\nfunction li(t,dir){\n  var ico = dir==='up'\n    ? '<path d=\"M8 12.5V3.5M4 7l4-3.5L12 7\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>'\n    : '<path d=\"M8 3.5v9M4 9l4 3.5L12 9\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>';\n  return '<li class=\"laia-factor laia-factor-'+dir+'\">'+\n         '<svg class=\"laia-factor-ico\" viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\">'+ico+'<\/svg>'+\n         '<span>'+t+'<\/span><\/li>';\n}\n\nfunction renderNoDollar(key){\n  var d = NO_DOLLAR[key][LANG] || NO_DOLLAR[key].en;\n  root.dataset.mode='result'; prog.hidden=true;\n  track('laia_nodollar',{case_type:S.caseType});\n  var h = '<div role=\"status\">'+\n    '<h3 class=\"laia-q\">'+d.title+'<\/h3>'+\n    '<p class=\"laia-hint\">'+d.body+'<\/p>'+\n    '<div class=\"laia-note laia-note-warn\"><strong>'+\n    (LANG==='es'?'Plazo importante':'Important deadline')+'<\/strong>'+d.urgent+'<\/div>'+\n    ctaBlock()+legalBlock()+'<\/div>';\n  body.innerHTML=h; wireForm(); scrollTop();\n}\n\nfunction renderGate(kind){\n  root.dataset.mode='result'; prog.hidden=true;\n  track('laia_gate',{kind:kind});\n  var msg = {\n    sol: {en:{t:\"Your filing deadline may have passed, but don't assume it has\",\n              b:\"California generally gives injury victims two years to file. There are real exceptions: claims involving minors, injuries discovered later, and defendants who left the state can all extend that window. This is worth a five-minute phone call before you give up on it.\"},\n          es:{t:\"Su plazo puede haber pasado, pero no lo asuma\",\n              b:\"California generalmente da dos a\u00f1os. Existen excepciones reales: menores de edad, lesiones descubiertas despu\u00e9s, y demandados que salieron del estado. Vale una llamada de cinco minutos.\"}},\n    nocoverage:{en:{t:\"Without insurance on either side, a dollar estimate would mislead you\",\n                    b:\"You told us the at-fault party had no insurance and that you don't carry uninsured-motorist coverage. In that situation recovery depends on whether that person has personal assets worth pursuing, which no calculator can guess at. It is still worth a call: there are often other responsible parties: an employer, a vehicle owner, a bar that overserved, and those avenues are easy to miss on your own.\"},\n                es:{t:\"Sin seguro de ninguna de las partes, una estimaci\u00f3n en d\u00f3lares ser\u00eda enga\u00f1osa\",\n                    b:\"Usted indic\u00f3 que la parte culpable no ten\u00eda seguro y que usted no tiene cobertura de motorista sin seguro. En esa situaci\u00f3n la recuperaci\u00f3n depende de si esa persona tiene bienes personales. Aun as\u00ed vale la pena llamar: a menudo hay otras partes responsables: un empleador, el due\u00f1o del veh\u00edculo, un bar que sirvi\u00f3 de m\u00e1s.\"}},\n    govclaim:{en:{t:\"Claims against government agencies move on a much shorter clock\",\n                  b:\"A written claim must normally be filed within six months of the injury. If that window has closed, a late-claim application may still be possible within one year. This is time-sensitive and worth calling about today.\"},\n              es:{t:\"Los reclamos contra el gobierno tienen un plazo mucho m\u00e1s corto\",\n                  b:\"Un reclamo escrito normalmente debe presentarse dentro de seis meses. Si ese plazo cerr\u00f3, todav\u00eda puede ser posible una solicitud tard\u00eda dentro de un a\u00f1o. Llame hoy.\"}}\n  }[kind][LANG];\n  body.innerHTML = '<div role=\"status\">'+\n    '<div class=\"laia-note laia-note-stop\"><strong>'+msg.t+'<\/strong>'+msg.b+'<\/div>'+\n    ctaBlock()+legalBlock()+'<\/div>';\n  wireForm(); scrollTop();\n}\n\n\/* ---------------------------------------------------------------------\n   Lead capture. Ungated: the estimate is already shown above it.\n   --------------------------------------------------------------------- *\/\nfunction ctaBlock(){\n  return '<div class=\"laia-cta\">'+\n    '<h3>'+T.ctaTitle+'<\/h3><p>'+T.ctaBody+'<\/p>'+\n    '<form id=\"laia-form\" novalidate>'+\n      '<div class=\"laia-row\" style=\"margin-bottom:10px\">'+\n        '<input class=\"laia-input\" type=\"text\" name=\"fname\" autocomplete=\"given-name\" placeholder=\"'+T.fname+'\" required>'+\n        '<input class=\"laia-input\" type=\"text\" name=\"lname\" autocomplete=\"family-name\" placeholder=\"'+T.lname+'\" required>'+\n      '<\/div>'+\n      '<div class=\"laia-row\" style=\"margin-bottom:10px\">'+\n        '<input class=\"laia-input\" type=\"email\" name=\"email\" autocomplete=\"email\" inputmode=\"email\" placeholder=\"'+T.email+'\" required>'+\n        '<input class=\"laia-input\" type=\"tel\" name=\"phone\" autocomplete=\"tel-national\" inputmode=\"tel\" placeholder=\"'+T.phone+'\" required>'+\n      '<\/div>'+\n      \/* TCPA consent: UNCHECKED, names one entity only (no \"marketing partners\"\n         -- bundling violates CCPA reg 7004(a)(4)(B)), states consent is not a\n         condition, discloses AI\/artificial voice per AB 2905, and discloses call\n         recording in writing per Pen. Code 632.7 (which binds parties too --\n         Smith v. LoanMe (2021) 11 Cal.5th 183; a beep tone is not a safe harbor).\n         Submission is intentionally still possible with this box unchecked. *\/\n      '<label class=\"laia-consent\">'+\n        '<input type=\"checkbox\" name=\"tcpa\" value=\"1\">'+\n        '<span id=\"laia-tcpa-text\">'+(LANG==='es'\n          ? 'Doy mi consentimiento expreso por escrito para que '+CFG.firmName+' me contacte al n\u00famero que proporcion\u00e9, incluyendo un n\u00famero celular, sobre mi posible asunto legal. Acepto que estos contactos pueden hacerse por agente en vivo, sistema de marcaci\u00f3n autom\u00e1tica, mensaje pregrabado, o voz artificial o generada por inteligencia artificial, y por mensaje de texto. <strong>El consentimiento no es condici\u00f3n para recibir servicios legales ni para obtener una evaluaci\u00f3n gratuita de su caso.<\/strong> La frecuencia de mensajes var\u00eda. Pueden aplicar tarifas de mensajes y datos. Responda STOP para darse de baja en cualquier momento, o HELP para ayuda. Entiendo que las llamadas pueden ser monitoreadas o grabadas.'\n          : 'I give my express written consent for '+CFG.firmName+' to contact me at the phone number I provided, including a wireless number, about my potential legal matter. I agree these contacts may be made by live agent, automatic telephone dialing system, prerecorded message, or artificial or AI-generated voice, and by text message. <strong>Consent is not a condition of receiving legal services and is not required to obtain a free case evaluation.<\/strong> Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. I understand calls may be monitored or recorded.')+\n        '<\/span><\/label>'+\n      \/* CAL 2005-168 blessed this specific acknowledgment, at the point of entry\n         -- the generic \"no attorney-client relationship\" stack was held\n         insufficient on its own. This box IS required to submit. *\/\n      '<label class=\"laia-consent\">'+\n        '<input type=\"checkbox\" name=\"noconf\" value=\"1\">'+\n        '<span id=\"laia-conf-text\">'+(LANG==='es'\n          ? 'Entiendo y acepto que '+CFG.firmName+' no tendr\u00e1 el deber de mantener confidencial la informaci\u00f3n que estoy enviando, y que enviar este formulario no crea una relaci\u00f3n abogado-cliente.'\n          : 'I understand and agree that '+CFG.firmName+' will have no duty to keep confidential the information I am now transmitting, and that submitting this form does not create an attorney-client relationship.')+\n        '<\/span><\/label>'+\n      '<p class=\"laia-err\" id=\"laia-form-err\" hidden><\/p>'+\n      '<button type=\"submit\" class=\"laia-btn laia-btn-primary\" id=\"laia-submit\" style=\"width:100%;margin-top:16px\">'+T.submit+'<\/button>'+\n      \/* CCPA reg 7012(c)(2): notice at collection must sit in close proximity to\n         the submit button and deep-link to an anchored section. A footer link fails. *\/\n      '<p style=\"text-align:center;margin:10px 0 0;font-size:12px\">'+\n        '<a href=\"'+CFG.noticeAtCollectionUrl+'\" style=\"color:var(--muted)\">'+\n        (LANG==='es'?'Aviso de Recolecci\u00f3n de California':'California Notice at Collection')+\n        '<\/a><\/p>'+\n      '<p style=\"text-align:center;margin:8px 0 0;font-size:12px;color:var(--muted)\">'+\n        CFG.firmName+' &middot; '+CFG.firmAddress+'<\/p>'+\n      '<p style=\"text-align:center;margin:12px 0 0;font-size:13px;color:var(--muted)\">'+\n      (LANG==='es'?'O llame ahora: ':'Or call now: ')+\n      '<a href=\"tel:'+CFG.phoneDial+'\" style=\"color:var(--ink);font-weight:600\">'+CFG.phone+'<\/a><\/p>'+\n    '<\/form><\/div>';\n}\n\n\/* ---------------------------------------------------------------------\n   Required disclosures. B&P 6158\/6158.3 + Rule 7.1 cmt [3] + 6157.2(b).\n   --------------------------------------------------------------------- *\/\nfunction legalBlock(){\n  \/* Clause map:\n     \"results will differ if based on different facts\" -> B&P 6158.3(2) verbatim\n     no-guarantee sentence                            -> B&P 6157.2(a)(1)\n     \"does not account for\" paragraph                 -> context for 6158.1(a)\/(c)\n     cost-responsibility sentence                     -> B&P 6157.2(a)(4), Rule 7.1 cmt [3]\n     confidentiality + adverse-party warning          -> Rule 1.18(b)-(c), CAL 2005-168\n     attorney name + office city                      -> B&P 6157.2(b) (SB 37, 1\/1\/2026)  *\/\n  if(LANG==='es') return '<div class=\"laia-legal\">'+\n    '<p><strong>Esto es una estimaci\u00f3n, no una garant\u00eda, y no es asesoramiento legal.<\/strong> El rango mostrado se gener\u00f3 \u00fanicamente con la informaci\u00f3n limitada que usted ingres\u00f3, sin revisar sus registros m\u00e9dicos, el reporte policial, ni las p\u00f3lizas de seguro aplicables, y sin la evaluaci\u00f3n de un abogado. Los resultados dependen de los hechos espec\u00edficos de cada caso, y <strong>los resultados ser\u00e1n diferentes si se basan en hechos diferentes<\/strong>. '+CFG.firmName+' no garantiza ning\u00fan resultado en ning\u00fan asunto legal.<\/p>'+\n    '<p><strong>Lo que esta estimaci\u00f3n no considera:<\/strong> responsabilidad disputada o compartida, que bajo las reglas de negligencia comparativa de California puede reducir o eliminar la compensaci\u00f3n; los l\u00edmites de las p\u00f3lizas de seguro disponibles; la cobrabilidad de un fallo; grav\u00e1menes m\u00e9dicos y reembolsos a Medicare o Medi-Cal; honorarios y costos; los plazos de prescripci\u00f3n aplicables; y la fuerza de la evidencia disponible.<\/p>'+\n    '<p><strong>No se crea una relaci\u00f3n abogado-cliente.<\/strong> Usar esta herramienta o enviar este formulario no crea una relaci\u00f3n abogado-cliente. Esa relaci\u00f3n se forma \u00fanicamente cuando usted y el bufete firman un acuerdo escrito de representaci\u00f3n. Por favor no env\u00ede informaci\u00f3n confidencial; la informaci\u00f3n que usted env\u00ede antes de que aceptemos representarlo puede no ser tratada como confidencial y podr\u00eda impedirnos representarlo si ya representamos a otra parte en su asunto.<\/p>'+\n    '<p>Si aceptamos su caso con honorarios de contingencia, usted puede ser responsable de los costos del caso adelantados por el bufete, independientemente del resultado. Los honorarios son negociables y no est\u00e1n fijados por ley.<\/p>'+\n    '<p>Esta herramienta trata \u00fanicamente sobre la ley de California y est\u00e1 destinada a incidentes ocurridos en California.<\/p>'+\n    '<p><strong>Publicidad.<\/strong> '+CFG.firmName+' &middot; '+CFG.attorneyName+', con licencia para ejercer la abogac\u00eda en California &middot; '+CFG.firmCity+', California. <a href=\"'+CFG.methodologyUrl+'\">C\u00f3mo calculamos esto<\/a> &middot; <a href=\"'+CFG.privacyUrl+'\">Aviso de privacidad<\/a><\/p><\/div>';\n\n  return '<div class=\"laia-legal\">'+\n    '<p><strong>This is an estimate, not a guarantee, and not legal advice.<\/strong> The range above was generated only from the limited information you entered, without review of your medical records, the police report, or the applicable insurance policies, and without evaluation by an attorney. Results depend on the specific facts of each case, and <strong>results will differ if based on different facts<\/strong>. '+CFG.firmName+' does not guarantee or warrant any result in any legal matter.<\/p>'+\n    '<p><strong>What this estimate does not account for:<\/strong> disputed or shared responsibility for the accident, which can reduce or eliminate recovery under California&rsquo;s comparative fault rules; the limits of any available insurance policy; the collectability of any judgment; medical liens, health plan reimbursement, and Medicare or Medi-Cal claims; attorney fees and case costs; applicable statutes of limitations; and the strength of the available evidence.<\/p>'+\n    '<p><strong>No attorney-client relationship.<\/strong> Using this tool or submitting this form does not create an attorney-client relationship. That relationship is formed only when you and the firm sign a written representation agreement. Please do not send confidential or time-sensitive information through this tool. Information you submit before we agree to represent you may not be treated as confidential, and could prevent us from representing you if we already represent another party in your matter.<\/p>'+\n    '<p>If we accept your case on a contingency fee, you may still be responsible for case costs advanced by the firm regardless of the outcome. Attorney fees are negotiable and are not set by law.<\/p>'+\n    '<p>This tool addresses California law only and is intended for incidents occurring in California.<\/p>'+\n    '<p><strong>Advertisement.<\/strong> '+CFG.firmName+' &middot; '+CFG.attorneyName+', licensed to practice law in California &middot; '+CFG.firmCity+', California. <a href=\"'+CFG.methodologyUrl+'\">How we calculate this<\/a> &middot; <a href=\"'+CFG.privacyUrl+'\">Privacy notice<\/a><\/p><\/div>';\n}\n\nfunction wireForm(){\n  var form = document.getElementById('laia-form');\n  if(!form) return;\n  form.addEventListener('submit', function(e){\n    e.preventDefault();\n    var err = document.getElementById('laia-form-err');\n    var fd  = new FormData(form);\n    var miss = ['fname','lname','email','phone'].filter(function(k){ return !String(fd.get(k)||'').trim(); });\n\n    if(miss.length){ return showErr(err, LANG==='es'?'Por favor complete todos los campos.':'Please complete all fields.'); }\n    if(!\/^[^\\s@]+@[^\\s@]+\\.[^\\s@]{2,}$\/.test(fd.get('email'))){\n      return showErr(err, LANG==='es'?'Por favor revise su correo electr\u00f3nico.':'Please check your email address.');\n    }\n    if(String(fd.get('phone')).replace(\/\\D\/g,'').length < 10){\n      return showErr(err, LANG==='es'?'Por favor ingrese un n\u00famero de tel\u00e9fono v\u00e1lido.':'Please enter a valid phone number.');\n    }\n    if(!fd.get('noconf')){\n      return showErr(err, LANG==='es'?'Por favor confirme el aviso de confidencialidad para continuar.':'Please acknowledge the confidentiality notice to continue.');\n    }\n\n    err.hidden = true;\n    var btn = document.getElementById('laia-submit');\n    btn.disabled = true; btn.textContent = T.sending;\n\n    var r = NO_DOLLAR[S.caseType] ? null : compute();\n    var payload = {\n      firstName:fd.get('fname'), lastName:fd.get('lname'),\n      email:fd.get('email'), phone:fd.get('phone'),\n      tcpaConsent: !!fd.get('tcpa'),\n      confidentialityAck: !!fd.get('noconf'),\n      answers:S, language:LANG,\n      estimateLow:  r?Math.round(r.low):null,\n      estimateHigh: r?Math.round(r.high):null,\n      \/* Where the AJAX handler should route the notification email, plus a\n         nonce binding this page load to that recipient so the value can't be\n         silently swapped client-side. See laia_handle_submit_lead(). *\/\n      to: CFG.to, nonce: CFG.nonce,\n      \/* TCPA evidence. The exact text displayed is the item firms most often\n         fail to retain -- forms get redesigned and they cannot later prove what\n         a given lead actually saw. 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Payload:', payload);\n    return Promise.resolve();\n  }\n  return fetch(CFG.endpoint,{\n    method:'POST', headers:{'Content-Type':'application\/json'},\n    body:JSON.stringify(payload)\n  });\n}\n\nfunction done(){\n  root.dataset.mode='done';\n  body.innerHTML = '<div role=\"status\" style=\"text-align:center;padding:26px 8px\">'+\n    '<div style=\"width:56px;height:56px;margin:0 auto 16px;border-radius:50%;background:rgba(132,187,66,.15);display:grid;place-items:center\">'+\n    '<svg viewBox=\"0 0 24 24\" width=\"26\" height=\"26\" fill=\"none\"><path d=\"M4 12.5 9.5 18 20 7\" stroke=\"#6da233\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>'+\n    '<h3 class=\"laia-q\">'+T.thanks+'<\/h3>'+\n    '<p class=\"laia-hint\">'+T.thanksBody+'<a href=\"tel:'+CFG.phoneDial+'\" style=\"color:var(--ink);font-weight:600\">'+CFG.phone+'<\/a>.<\/p>'+\n    '<\/div>';\n  scrollTop();\n}\n\n\/* =====================================================================\n   ANALYTICS - feeds the gtag + Meta Pixel already installed sitewide\n   ===================================================================== *\/\nfunction track(name,params){\n  if(!CFG.trackEvents) return;\n  try{\n    if(typeof window.gtag==='function') window.gtag('event',name,params||{});\n    if(typeof window.fbq==='function'){\n      if(name==='laia_lead') window.fbq('track','Lead',params||{});\n      else window.fbq('trackCustom',name,params||{});\n    }\n    window.dataLayer = window.dataLayer||[];\n    window.dataLayer.push(Object.assign({event:name},params||{}));\n  }catch(e){}\n}\n\n\/* =====================================================================\n   INTRO\n   ===================================================================== *\/\nfunction intro(){\n  var h = '<p class=\"laia-hint\" style=\"font-size:15px;margin-bottom:18px\">'+\n    (LANG==='es'\n      ? 'Responda unas preguntas sobre su accidente y le mostraremos un rango estimado, junto con los factores que m\u00e1s afectan su caso. Toma unos dos minutos.'\n      : 'Answer a few questions about your accident and we&rsquo;ll show you an estimated range, along with the factors that matter most in your case. Takes about two minutes.')+\n    '<\/p>'+\n    '<div class=\"laia-note laia-note-info\" style=\"margin-top:0;margin-bottom:20px\">'+\n    (LANG==='es'\n      ? '<strong>Antes de comenzar<\/strong>Esta es una herramienta educativa, no asesoramiento legal, y no crea una relaci\u00f3n abogado-cliente. Ninguna estimaci\u00f3n puede reemplazar la revisi\u00f3n de un abogado.'\n      : '<strong>Before you start<\/strong>This is an educational tool, not legal advice, and it does not create an attorney-client relationship. 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