Catastrophic injuries create immediate pressure: medical bills, travel for specialists, home accessibility needs, and lost income. When people are facing paralysis or other long-term functional limitations, an AI tool can seem like a shortcut to clarity.
But in real cases here, insurers typically won’t treat an AI output as proof. They evaluate the claim through medical documentation, causation evidence, and the credibility of functional limitations—especially where the injury’s severity and future trajectory may still be developing.
Bottom line: treat an AI estimate like a starting point for questions, not a prediction you can safely build a settlement around.


