AI tools generally work by asking for details (injury type, treatment timeline, time missed from work, and basic crash information) and then generating a projected range. That can be helpful when you’re trying to understand which inputs tend to move the number.
But a Sherwood claim is rarely just “medical bills + a formula.” In real negotiations, insurers often focus on:
- How clearly the crash is documented (photos, crash report details, witness statements)
- Whether your treatment aligns with the mechanism of injury
- Whether you had gaps in care that can be used to challenge causation
- How fault is allocated based on the collision scenario
In other words, an AI result is a starting point—not a prediction of what an Oregon insurer will offer once they review the evidence.


