Settlement discussions often feel like a black box. An AI tool can appear to offer quick clarity—sometimes as a range tied to injury severity, age, and future care.
But in practice, insurers in New York tend to evaluate value based on what can be proven with documentation: medical stability, prognosis, functional limitations, and the timeline of treatment. A calculator doesn’t “know” what your treating doctors wrote in the chart, what imaging showed, or how your day-to-day functioning changed.
Use AI like a worksheet, not a forecast. It can help you identify what information you’ll eventually need for a demand package—especially when you’re dealing with paralysis-related costs like mobility equipment, home access, and caregiver support.


