AI tools typically generate a range based on the details you enter—injury severity, age, treatment timing, and sometimes work history. The problem is that the tool can’t “see” the evidence your case will live or die on in Missouri.
In Ferguson, insurers often focus on whether the record supports:
- the mechanism of injury (how the incident caused the neurological damage)
- the current functional limitations (what you can and can’t do now)
- the future medical plan (what you’ll likely need as complications develop)
If your AI inputs are incomplete—common when you don’t yet know the full prognosis—the estimate can swing widely. That’s not a failure of the tool; it’s a mismatch between what AI can infer and what Missouri courts require in credible proof.


