Most AI calculators work like this: you enter basic information, and the tool produces a projected range based on patterns from other cases. That can help you sanity-check numbers, but it can also mislead you if your situation has unique elements.
In Ohio, insurers frequently focus on two things that AI forms don’t reliably capture:
- Causation: whether your medical records support that your symptoms resulted from the crash (not something else).
- Fault and comparative negligence: even a small finding that a rider contributed can affect the final recovery.
So while an AI number may sound confident, it may not reflect the evidence you actually have—photos from the scene, the timing of your treatment, witness statements, and the clarity of your diagnosis.


