Most AI calculators work by asking for crash and injury details, then using patterns from other claims to generate an estimated range. In Cornelius cases, the inputs that often move the number up or down include:
- Whether the crash involved contested fault (for example, turn/merge situations)
- The type and seriousness of injuries shown in medical records
- The length of treatment and whether follow-up care was documented
- Whether you missed work and can support those losses
However, AI tools generally can’t:
- Verify how North Carolina insurance carriers assess fault and causation
- Evaluate the strength of witness statements or scene evidence
- Interpret gaps in treatment or explain medical necessity
- Predict negotiation behavior when insurers decide to contest the claim
Treat the AI number as a conversation starter—not as the “offer” you should expect.


