AI tools can produce a quick range by combining inputs like injury severity, age, and projected care needs. That can be emotionally useful when you’re facing unknowns and mounting bills.
But in real Washington personal injury claims, insurers don’t pay based on a tool’s “average outcome.” They evaluate:
- Medical proof (neurological findings, imaging, stability/prognosis)
- Causation (how the incident matches the injury timeline)
- Liability evidence (who was at fault and how fault is supported)
- Future needs (life-care planning, equipment, attendant care, and home/vehicle changes)
An AI estimate is best treated as a starting worksheet—not a prediction of what a court or insurer will accept.


