AI tools estimate outcomes by looking at patterns from past claims and the information you enter. That can be useful when you’re trying to understand which categories typically matter most—like treatment costs, work disruption, and the severity of injury.
However, insurers evaluate cases in a more fact-driven way. In Ohio, they will scrutinize:
- Fault and causation (what the other driver did, and what caused the crash)
- Consistency of your story (especially with early statements and medical notes)
- Medical documentation (whether treatment matches the injury and timeline)
So while the numbers may look reasonable, the “missing piece” is what your claim file actually shows.


