Abstract: A computer network for generating a proposed insurance claim settlement and submitting it to an insurance carrier, including: (a) a computer system that receives insurance injury information from an operator; (b) a computer system that receives accident information from the operator; (c) a computerized injury evaluation system that then computes: (i) a proposed claim settlement based upon the injury information and the accident information, and (ii) a likelihood of claim settlement based upon the identity of a selected insurance carrier; (d) a computer system that presents the proposed claim settlement and the likelihood of claim settlement to the operator; and (e) a computer system that sends the proposed claim settlement from the computerized injury evaluation system to the selected insurance carrier after receiving an approval from the operator.