AI tools typically use simplified inputs (injury level, age, treatment category) and then apply generic valuation logic. That can be especially unreliable in spinal cord injury cases because two people with the “same” diagnosis may have very different functional outcomes.
In practice, insurers look for proof of:
- Causation (that the accident—not something else—caused the neurological injury)
- Severity and stability (what the medical record shows about current impairment)
- Future care needs (what’s likely over years, not weeks)
If an AI calculator doesn’t match your actual medical documentation, it may suggest a number that’s either too low (missing future lifetime support) or too high (assuming a recovery trajectory that doesn’t fit your prognosis).


