AI tools typically work by asking you a few inputs—like injury severity, age, and whether care needs are expected to be long-term. Then they apply generalized assumptions.
That’s where the risk is. In Minnesota cases, insurers frequently focus on proof issues such as:
- Causation details (what exactly caused the neurological damage)
- Functional impact (what you can’t do now and what you may not be able to do later)
- Consistency of the medical timeline (whether records match the incident history)
- Future care support (whether a life-care plan is credible and well-documented)
A calculator can’t review imaging reports, neurological testing, therapy notes, or the functional assessments that typically drive valuation. And it can’t evaluate how a Minnesota adjuster will interpret disputed facts—especially when fault is contested.


