A calculator can organize inputs—injury type, treatment duration, and symptom categories. But a real settlement in California is driven by what insurers can prove or challenge.
In practice, an insurer may focus on:
- Consistency of your symptom timeline (especially after a collision or slip event)
- Whether you sought care promptly after the head injury
- Objective documentation (ER notes, imaging when available, concussion clinic records, therapy notes)
- Functional impact—how symptoms affected work, driving, parenting, and daily tasks
- Comparative fault arguments (common in Southern California auto disputes)
That’s why an AI estimate is best treated as a starting point—not a promise.


