AI tools typically generate a range using generalized patterns—injury severity, age, and broad categories of damages. That can be a starting point, but it often overlooks the kind of facts that matter most in real California negotiations, such as:
- How the crash or workplace event happened (and what local documentation exists)
- Whether symptoms were immediate or delayed (common dispute point in spinal injury claims)
- Functional limits after discharge (mobility, transfers, bladder/bowel issues, fall risk)
- Whether future care needs are supported by a life-care plan rather than assumptions
In practice, insurers don’t negotiate against an “AI number.” They negotiate against medical causation, documented prognosis, and the credibility of the proof.


