Most AI calculators generate a range based on generalized patterns. They usually don’t have access to:
- Your imaging reports and neurological testing results
- A clinician’s prognosis (including recovery vs. decline)
- A life-care plan tailored to your functional limits
- The incident-specific proof needed to establish fault
In Colorado, insurers frequently focus on whether the medical record supports both causation (that your spinal injury was caused by the incident) and severity (what your impairment actually is now and will likely be later). If an AI tool doesn’t have those details, its output can be misleading.
Treat the estimate like a starting point for questions—not a promise.


