Most online calculators—whether marketed as AI-driven or simply based on past outcomes—use simplified inputs to produce a rough range. That can be helpful for understanding which categories tend to move numbers up or down.
But in real Highland claims, insurers usually focus on questions an automated tool can’t answer well, such as:
- How the crash happened (speed, braking, lane position, truck involvement, road conditions)
- Whether the medical record clearly ties the injury to the incident
- The functional level at injury and over time (what you could do immediately vs. after treatment)
- Complications that change long-term costs (skin breakdown risk, respiratory issues, bowel/bladder complications)
- Whether future care is supported by a life-care plan, not just general expectations
In other words: the calculator can point you in the right direction, but it can’t replace a case evaluation built around documentation and prognosis.


