AI tools typically generate an estimated range by using general patterns from past injury claims. They may ask about:
- the type of injuries you reported
- treatment you received (ER, imaging, physical therapy)
- how long you missed work
- whether symptoms improved or continued
That approach can be useful when you’re trying to understand the moving parts of a case. But insurers don’t settle based on a form—they settle based on documentation, credibility, and legally relevant proof.
In California, that means your estimate can be thrown off by factors a calculator can’t fully capture, such as whether the crash report supports your account, whether there’s clear documentation tying treatment to the collision, and whether comparative fault issues arise.


