Online calculators typically use generalized inputs—diagnosis labels, symptom categories, and treatment duration—to generate a numeric range. That approach runs into real-world problems in brain injury claims, including:
- Symptom timeline mismatches. In head injury cases, symptoms can evolve over days or weeks. If an AI assumes a faster or more predictable recovery, it may undervalue—or overvalue—your case.
- Causation disputes. Insurance adjusters often argue that headaches, dizziness, and concentration issues were caused by something else (migraine history, stress, prior injuries, or unrelated medical conditions).
- Documentation quality differences. Two people can have similar injuries, but the one with consistent medical notes, objective testing, and a coherent timeline usually has a stronger settlement position.
In other words: the AI number is not the verdict. In Illinois, what matters is the evidence you can produce and how well it supports fault and causation.


