An AI settlement tool typically estimates damages by combining:
- Medical bills and treatment intensity (ER care, imaging, therapy, follow-ups)
- Work-related losses (lost wages, restrictions, and missed shifts)
- Injury severity signals (fractures, head injuries, nerve issues, long recovery)
- Case inputs you enter about the crash and your recovery timeline
However, AI can’t independently verify fault, causation, or what a jury (or an adjuster) will find persuasive. In Arkansas—like everywhere—insurers may challenge:
- whether your symptoms match the crash mechanism
- whether treatment was timely and medically necessary
- whether another factor contributed to your condition
That’s why the “best” number from a calculator is usually the one you use to prepare questions—not the one you rely on to decide whether to settle.


