In Centennial, many people start with an AI-style calculator because it’s convenient: it asks for injury details, treatment history, and symptom impact, then produces a rough range.
That can be useful for organizing your information, but it’s not the same as a claim evaluation. In Colorado, insurers and adjusters typically anchor value to:
- Documented medical findings (ER notes, follow-ups, concussion/TBI clinic records, imaging when available)
- Consistency of the story over time (symptoms reported early and tracked through treatment)
- Functional impact (how cognitive and neurological symptoms affect work, school, driving, and daily responsibilities)
- Causation evidence (how the incident is medically linked to the ongoing brain-related symptoms)
A calculator won’t reliably weigh these factors—especially the parts that make or break TBIs, such as symptom continuity and credibility of records.


