Most calculators—whether AI-driven or spreadsheet-style—produce a range based on assumptions like injury severity, age, and general future care needs.
In real Del Rio cases, insurers frequently challenge details such as:
- Whether the crash/workplace incident caused the neurological injury (especially when symptoms develop later)
- How severe and stable the functional limitations are (not just what the MRI says)
- Whether future care is medically necessary vs. “recommended” without proof
- Whether policy limits or comparative-fault arguments reduce payout
Texas law allows juries and insurers to evaluate fault in a way that can reduce recovery if they believe the injured person bears any percentage of responsibility. A calculator can’t account for that risk the way a case-specific review can.


