AI tools are built to respond to inputs. If the injury description is broad (“spinal cord injury,” “paralysis,” “serious back trauma”), the output is often a generic range that may not reflect your actual neurological level, complications, or functional limits.
In real spinal cord cases, insurers typically look for specifics such as:
- Causation: whether the event caused the neurological injury (and not a pre-existing condition)
- Severity and stability: what your exam and imaging show over time
- Functional impact: what you can’t do now and what you may lose later
- Lifetime care requirements: not just treatment today, but long-term support and equipment
An AI calculator can’t review your MRI reports, neurological testing, therapy progress, or the life-care plan your doctors recommend. That missing evidence is often exactly what separates a low offer from a value that reflects catastrophic loss.


