AI estimates are generally built from pattern-based inputs: injury descriptions, treatment timing, and common damage categories. That can be useful for a first-pass range—particularly if you already know your medical costs and work impact.
But Harvey cases often turn on details that an online form can’t fully capture, such as:
- how a crash occurred near busy through-roads and turning lanes,
- whether construction-related lane changes contributed to the collision,
- what the police report and witness accounts say about speed, visibility, and lane position,
- how quickly your symptoms were documented after the accident.
In Illinois, fault can be disputed, and even when liability seems obvious, insurers may still attack causation (arguing the injuries weren’t caused by the crash or that they weren’t serious). An AI number should be treated as a planning tool—not as an offer you should accept.


