AI tools generally work by taking inputs (injury severity, age, treatment basics) and producing a range. In real disputes, insurers focus on questions that are often hard to capture in a calculator:
- What exactly caused the injury? In commuting and pedestrian-heavy areas, fault disputes can center on visibility, traffic control, and how events were documented.
- How quickly were neurological symptoms recognized and recorded? Early documentation can matter when insurers argue that later findings were unrelated.
- What do the medical records actually show about function? For spinal cord injuries, the day-to-day limitations—mobility, bowel/bladder involvement, transfers, skin risk—drive valuation.
In other words, an AI estimate can’t review MRI reports, neurological exams, therapy notes, and functional assessments that a Maryland case needs to move forward.


